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Single Family ResidenceResidential
$394,462$234 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

3908 RIVER ROCK AVE

CELINA, TX 75009
3
Beds
2
Baths
1,689 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2025
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$394K
$335K low$454K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$69,462
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$55,570
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.82%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$325,000
ARK-LA-TEX FINANCIAL SERVICES LLC · recorded Jan 2, 2026

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$66,150 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,150
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,150
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$66,150

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.63
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
58
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
92
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
52
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
74
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCollin

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Celina High SchoolB-
High · Grades 9–12 · 0.6 mi
M
Jerry and Linda Moore Middle SchoolA-
Middle · Grades 7–8 · 1.6 mi
E
Bobby Ray and Afton Martin Elementary SchoolB
Elementary · Grades KG–4 · 1.8 mi

District: Celina Independent School District

Neighborhood · ZIP 75009These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.56
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.22,147
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.230 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$137,625
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$196,689
Average tempThe average temperature here across a full year.64°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3908 River Rock Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 90% of homes in Celina 75009
  • Costs more per square foot than 73% of homes in Collin County
  • Smaller than 92% of homes in Celina 75009
  • Among the newest homes in Celina 75009

What homes are worth in Celina 75009

Each bar is how many homes fall in that price range. The marker is this home.

This home
$323K$1.8M

This home is worth more than 10% of homes in Celina 75009.

How it measures up in Celina 75009

The dot is this home. The mark in the middle is the typical home in Celina 75009.

Estimated value$394,462
CheaperTypical $573,841Pricier

Pricier than 10% of homes nearby

Price per ft²$234
CheaperTypical $213Pricier

Pricier than 70% of homes nearby

Living area1,689 ft²
SmallerTypical 2,817 ft²Bigger

Bigger than 8% of homes nearby

Year built2025
OlderTypical 2021Newer

Newer than almost all homes nearby

How 3908 River Rock Ave ranks against every home in each area.
MeasureThis homeCelina 75009Collin County
Estimated valuepricier than$394,46210% of homes27% of homes
Price per ft²pricier than$23470% of homes73% of homes
Living areabigger than1,689 ft²8% of homes17% of homes
Year builtnewer than2025almost all homesalmost all homes

About 3908 River Rock Ave

How much is 3908 River Rock Ave, Celina, TX worth?

The TopHap Estimate for 3908 River Rock Ave, Celina, TX is $394,462 as of Jun 23, 2026. The likely range is $335,292 to $453,631. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3908 River Rock Ave, Celina, TX last sell?

3908 River Rock Ave, Celina, TX last sold on Jan 2, 2026, according to the county's recorded deed.

How big is 3908 River Rock Ave, Celina, TX?

3908 River Rock Ave, Celina, TX has 3 bedrooms, 2 bathrooms and 1,689 square feet of living space.

When was 3908 River Rock Ave, Celina, TX built?

3908 River Rock Ave, Celina, TX was built in 2025, making it 1 years old. The building has 1 story.

What schools serve 3908 River Rock Ave, Celina, TX?

3908 River Rock Ave, Celina, TX is assigned to Celina High School (high), rated B-; Jerry and Linda Moore Middle School (middle), rated A-; Bobby Ray and Afton Martin Elementary School (elementary), rated B. All sit in Celina Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3908 River Rock Ave, Celina, TX compare to other homes in Celina 75009?

Among the 17,836 homes in Celina 75009, it is worth more than 10% of them ($394,462 against a typical $573,841), its price per square foot is higher than 70% of them ($234 against a typical $213), it is bigger than 8% of them (1,689 ft² against a typical 2,817 ft²) and it is newer than almost all of them (2025 against a typical 2021). Measured against all of Collin County, it is worth more than 27% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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Assigned schools

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