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Single Family ResidenceResidential
$397,472$257 / 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 95How 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 $167,000 on Oct 31, 2014

109 PROSPECT ST

GARDNER, MA 01440
3
Beds
2
Baths
1,544 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$397K
$377K low$418K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$167,000 · Oct 31, 2014
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.$227,064
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$181,651
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.47%
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.$170,408
ENVOY MORTGAGE LTD · recorded Oct 31, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,631 (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.$322,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$72,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$250,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$322,500

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
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.37
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
CoolingThe type of cooling or air conditioning in the home.Yes

Transaction History(2)

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(5)

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

H
Gardner High SchoolC-
High · Grades 8–12 · 2.1 mi
E
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 2.2 mi
M
Gardner Middle SchoolD-
Middle · Grades 5–7 · 2.3 mi

District: Gardner School District

Neighborhood · ZIP 01440These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.21,657
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.854 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,433
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,787
Average tempThe average temperature here across a full year.45°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.50%

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

109 Prospect 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 73% of homes in Worcester County
  • Costs less per square foot than 78% of homes in Worcester County
  • Older than 67% of homes in Worcester County

What homes are worth in Gardner 01440

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

This home
$160K$637K

This home is worth more than 60% of homes in Gardner 01440.

How it measures up in Gardner 01440

The dot is this home. The mark in the middle is the typical home in Gardner 01440.

Estimated value$397,472
CheaperTypical $375,798Pricier

Pricier than 60% of homes nearby

Price per ft²$257
CheaperTypical $271Pricier

Pricier than 39% of homes nearby

Living area1,544 ft²
SmallerTypical 1,489 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.37 ac
SmallerTypical 0.29 acBigger

Bigger than 62% of homes nearby

Year built1950
OlderTypical 1949Newer

Newer than 52% of homes nearby

How 109 Prospect St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Estimated valuepricier than$397,47260% of homes27% of homes
Price per ft²pricier than$25739% of homes22% of homes
Living areabigger than1,544 ft²53% of homes42% of homes
Lot sizebigger than0.37 ac62% of homes41% of homes
Year builtnewer than195052% of homes33% of homes

About 109 Prospect St

How much is 109 Prospect St, Gardner, MA worth?

The TopHap Estimate for 109 Prospect St, Gardner, MA is $397,472 as of Jul 14, 2026. The likely range is $376,717 to $418,227. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Prospect St, Gardner, MA last sell?

109 Prospect St, Gardner, MA last sold on Oct 31, 2014 for $167,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Prospect St, Gardner, MA?

109 Prospect St, Gardner, MA has 3 bedrooms, 2 bathrooms, 1,544 square feet of living space and a 0.37-acre lot.

When was 109 Prospect St, Gardner, MA built?

109 Prospect St, Gardner, MA was built in 1950, making it 76 years old. It is a cape cod home. The building has 1 story.

What schools serve 109 Prospect St, Gardner, MA?

109 Prospect St, Gardner, MA is assigned to Gardner High School (high), rated C-; Gardner Elementary School (elementary), rated D-; Gardner Middle School (middle), rated D-. All sit in Gardner School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Prospect St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,706 homes in Gardner 01440, it is worth more than 60% of them ($397,472 against a typical $375,798), its price per square foot is higher than 39% of them ($257 against a typical $271), it is bigger than 53% of them (1,544 ft² against a typical 1,489 ft²), its lot is bigger than 62% of them (0.37 ac against a typical 0.29 ac) and it is newer than 52% of them (1950 against a typical 1949). Measured against all of Worcester 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.

What are the property taxes on 109 Prospect St, Gardner, MA?

The 2025 property tax bill for 109 Prospect St, Gardner, MA was $4,631. The county assessed it at $322,500.

Closest homes

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Assigned schools

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