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Single Family ResidenceResidential
$845,974$339 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $484,000 on Mar 25, 2011

645 RUSTIC RANCH LN

LINCOLN, CA 95648
3
Beds
2.5
Baths
2,495 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$846K
$796K low$896K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$484,000 · Mar 25, 2011
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.$555,974
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$444,779
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.36%
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.$290,000
US BANK NA · recorded Jan 6, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,465 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$632,479 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$163,344
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$469,135
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$620,079

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.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
64
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
44
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
14
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyPLACER
Lot (acres)The size of the land the home sits on, from county records.0.19
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

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.

E
Twelve Bridges Elementary SchoolA
Elementary · Grades KG–5 · 2.5 mi
M
Twelve Bridges Middle SchoolA
Middle · Grades 6–8 · 2.6 mi
H
Twelve Bridges High SchoolA-
High · Grades 9–12 · 3.0 mi

District: Western Placer Unified School District

Neighborhood · ZIP 95648These 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.46
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.86

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.60,706
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.426 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$106,980
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$126,384
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.24 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.78%

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.Yes

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

645 Rustic Ranch Ln 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 more than 84% of homes in Lincoln 95648
  • Costs less per square foot than 89% of homes in Sun City Lincoln Hills
  • Bigger than 88% of homes in Sun City Lincoln Hills
  • Newer than 68% of homes in Placer County

What homes are worth in Lincoln 95648

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

This home
$370K$1.4M

This home is worth more than 84% of homes in Lincoln 95648.

How it measures up in Lincoln 95648

The dot is this home. The mark in the middle is the typical home in Lincoln 95648.

Estimated value$845,974
CheaperTypical $639,114Pricier

Pricier than 84% of homes nearby

Price per ft²$339
CheaperTypical $332Pricier

Pricier than 54% of homes nearby

Living area2,495 ft²
SmallerTypical 2,021 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.19 ac
SmallerTypical 0.18 acBigger

Bigger than 58% of homes nearby

Year built2003
OlderTypical 2004Newer

Newer than 45% of homes nearby

How 645 Rustic Ranch Ln ranks against every home in each area.
MeasureThis homeSun City Lincoln HillsLincoln 95648Placer County
Estimated valuepricier than$845,97481% of homes84% of homes72% of homes
Price per ft²pricier than$33911% of homes54% of homes46% of homes
Living areabigger than2,495 ft²88% of homes73% of homes71% of homes
Lot sizebigger than0.19 ac56% of homes58% of homes40% of homes
Year builtnewer than200363% of homes45% of homes68% of homes

About 645 Rustic Ranch Ln

How much is 645 Rustic Ranch Ln, Lincoln, CA worth?

The TopHap Estimate for 645 Rustic Ranch Ln, Lincoln, CA is $845,974 as of Jul 14, 2026. The likely range is $796,239 to $895,709. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Rustic Ranch Ln, Lincoln, CA last sell?

645 Rustic Ranch Ln, Lincoln, CA last sold on Mar 25, 2011 for $484,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 645 Rustic Ranch Ln, Lincoln, CA?

645 Rustic Ranch Ln, Lincoln, CA has 3 bedrooms, 2.5 bathrooms, 2,495 square feet of living space and a 0.19-acre lot.

When was 645 Rustic Ranch Ln, Lincoln, CA built?

645 Rustic Ranch Ln, Lincoln, CA was built in 2003, making it 23 years old. It is a cape cod home.

What schools serve 645 Rustic Ranch Ln, Lincoln, CA?

645 Rustic Ranch Ln, Lincoln, CA is assigned to Twelve Bridges Elementary School (elementary), rated A; Twelve Bridges Middle School (middle), rated A; Twelve Bridges High School (high), rated A-. All sit in Western Placer Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Rustic Ranch Ln, Lincoln, CA compare to other homes in Lincoln 95648?

Among the 23,925 homes in Lincoln 95648, it is worth more than 84% of them ($845,974 against a typical $639,114), its price per square foot is higher than 54% of them ($339 against a typical $332), it is bigger than 73% of them (2,495 ft² against a typical 2,021 ft²), its lot is bigger than 58% of them (0.19 ac against a typical 0.18 ac) and it is newer than 45% of them (2003 against a typical 2004). Measured against all of Placer County, it is worth more than 72% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 645 Rustic Ranch Ln, Lincoln, CA?

The 2025 property tax bill for 645 Rustic Ranch Ln, Lincoln, CA was $6,465. The county assessed it at $632,479.

More homes on Rustic Ranch Ln

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Assigned schools

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