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CondominiumResidential
$388,923$286 / 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 96How 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 $360,000 on May 5, 2023

10 COTTAGE ST

PEPPERELL, MA 01463
Building report
2
Beds
1.5
Baths
1,360 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.
1.95 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$389K
$372K low$406K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$360,000 · May 5, 2023
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.$288,923
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$231,138
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.25%
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.$100,000
NEW FED MORTGAGE CORP · recorded May 5, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,109 (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.$349,200 (2025)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$349,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$378,005

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
39
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Condominium
CountyMIDDLESEX
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(8)

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

Foreclosure Filings(3)

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

E
Varnum Brook Elementary SchoolC+
Elementary · Grades KG–4 · 0.5 mi
M
Nissitissit Middle SchoolB-
Middle · Grades 5–8 · 0.8 mi
H
North Middlesex Regional High SchoolB-
High · Grades 9–12 · 4.3 mi

District: North Middlesex School District

Neighborhood · ZIP 01463These 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.52
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.80

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.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,943
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.514 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$117,504
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$138,493
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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

10 Cottage St 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 94% of homes in Middlesex County
  • Costs less per square foot than 94% of homes in Middlesex County
  • Smaller than 86% of homes in Pepperell 01463
  • Has a bigger lot than 89% of homes in Middlesex County
  • Newer than 79% of homes in Middlesex County

What homes are worth in Pepperell 01463

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

This home
$306K$945K

This home is worth more than 12% of homes in Pepperell 01463.

How it measures up in Pepperell 01463

The dot is this home. The mark in the middle is the typical home in Pepperell 01463.

Estimated value$388,923
CheaperTypical $535,162Pricier

Pricier than 12% of homes nearby

Price per ft²$286
CheaperTypical $268Pricier

Pricier than 64% of homes nearby

Living area1,360 ft²
SmallerTypical 2,050 ft²Bigger

Bigger than 14% of homes nearby

Lot size1.95 ac
SmallerTypical 1.52 acBigger

Bigger than 65% of homes nearby

Year built1987
OlderTypical 1981Newer

Newer than 66% of homes nearby

How 10 Cottage St ranks against every home in each area.
MeasureThis homePepperell 01463Middlesex County
Estimated valuepricier than$388,92312% of homes6% of homes
Price per ft²pricier than$28664% of homes6% of homes
Living areabigger than1,360 ft²14% of homes28% of homes
Lot sizebigger than1.95 ac65% of homes89% of homes
Year builtnewer than198766% of homes79% of homes

About 10 Cottage St

How much is 10 Cottage St, Pepperell, MA worth?

The TopHap Estimate for 10 Cottage St, Pepperell, MA is $388,923 as of Jul 14, 2026. The likely range is $371,860 to $405,986. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10 Cottage St, Pepperell, MA last sell?

10 Cottage St, Pepperell, MA last sold on May 5, 2023 for $360,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 10 Cottage St, Pepperell, MA?

10 Cottage St, Pepperell, MA has 2 bedrooms, 1.5 bathrooms and 1,360 square feet of living space.

When was 10 Cottage St, Pepperell, MA built?

10 Cottage St, Pepperell, MA was built in 1987, making it 39 years old. The building has 2 stories.

What schools serve 10 Cottage St, Pepperell, MA?

10 Cottage St, Pepperell, MA is assigned to Varnum Brook Elementary School (elementary), rated C+; Nissitissit Middle School (middle), rated B-; North Middlesex Regional High School (high), rated B-. All sit in North Middlesex School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10 Cottage St, Pepperell, MA compare to other homes in Pepperell 01463?

Among the 3,872 homes in Pepperell 01463, it is worth more than 12% of them ($388,923 against a typical $535,162), its price per square foot is higher than 64% of them ($286 against a typical $268), it is bigger than 14% of them (1,360 ft² against a typical 2,050 ft²), its lot is bigger than 65% of them (1.95 ac against a typical 1.52 ac) and it is newer than 66% of them (1987 against a typical 1981). Measured against all of Middlesex County, it is worth more than 6% 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 10 Cottage St, Pepperell, MA?

The 2025 property tax bill for 10 Cottage St, Pepperell, MA was $5,109. The county assessed it at $349,200.

Closest homes

More homes in Pepperell 01463

Assigned schools

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