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Single Family ResidenceResidential
$407,808$322 / 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 $114,500 on Feb 28, 2001

12 OSWALD ST

WORCESTER, MA 01607
3
Beds
1.5
Baths
1,266 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$408K
$382K low$434K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$114,500 · Feb 28, 2001
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.$262,308
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$209,846
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.38%
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.$145,500
NATIONAL CITY MORTGAGE CO · R · recorded Oct 18, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,408 (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.$334,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$118,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$215,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$333,355

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.Conventional
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.24
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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
QuinsigamondC-
Elementary · Grades PK–6 · 0.2 mi
M
University Pk Campus SchoolC
Middle · Grades 7–12 · 1.6 mi

District: Worcester School District

Neighborhood · ZIP 01607These 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.144
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.12,145
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,734 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,081
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,576
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

12 Oswald 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 70% of homes in Worcester County
  • Costs more per square foot than 66% of homes in Worcester 01607
  • Smaller than 75% of homes in Worcester County
  • Has a smaller lot than 75% of homes in Worcester County
  • Older than 93% of homes in Worcester County

What homes are worth in Worcester 01607

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

This home
$211K$609K

This home is worth more than 51% of homes in Worcester 01607.

How it measures up in Worcester 01607

The dot is this home. The mark in the middle is the typical home in Worcester 01607.

Estimated value$407,808
CheaperTypical $404,779Pricier

Pricier than 51% of homes nearby

Price per ft²$322
CheaperTypical $305Pricier

Pricier than 66% of homes nearby

Living area1,266 ft²
SmallerTypical 1,414 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.24 ac
SmallerTypical 0.2 acBigger

Bigger than 62% of homes nearby

Year built1890
OlderTypical 1951Newer

Newer than 14% of homes nearby

How 12 Oswald St ranks against every home in each area.
MeasureThis homeQuinsigamond VillageWorcester 01607Worcester County
Estimated valuepricier than$407,80845% of homes51% of homes30% of homes
Price per ft²pricier than$32261% of homes66% of homes59% of homes
Living areabigger than1,266 ft²41% of homes41% of homes25% of homes
Lot sizebigger than0.24 ac62% of homes62% of homes25% of homes
Year builtnewer than189011% of homes14% of homes7% of homes

About 12 Oswald St

How much is 12 Oswald St, Worcester, MA worth?

The TopHap Estimate for 12 Oswald St, Worcester, MA is $407,808 as of Jul 14, 2026. The likely range is $382,107 to $433,509. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Oswald St, Worcester, MA last sell?

12 Oswald St, Worcester, MA last sold on Feb 28, 2001 for $114,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 12 Oswald St, Worcester, MA?

12 Oswald St, Worcester, MA has 3 bedrooms, 1.5 bathrooms, 1,266 square feet of living space and a 0.24-acre lot.

When was 12 Oswald St, Worcester, MA built?

12 Oswald St, Worcester, MA was built in 1890, making it 136 years old. It is a conventional home. The building has 2 stories.

What schools serve 12 Oswald St, Worcester, MA?

12 Oswald St, Worcester, MA is assigned to Quinsigamond (elementary), rated C-; University Pk Campus School (middle), rated C. All sit in Worcester School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Oswald St, Worcester, MA compare to other homes in Worcester 01607?

Among the 2,000 homes in Worcester 01607, it is worth more than 51% of them ($407,808 against a typical $404,779), its price per square foot is higher than 66% of them ($322 against a typical $305), it is bigger than 41% of them (1,266 ft² against a typical 1,414 ft²), its lot is bigger than 62% of them (0.24 ac against a typical 0.2 ac) and it is newer than 14% of them (1890 against a typical 1951). Measured against all of Worcester County, it is worth more than 30% 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 12 Oswald St, Worcester, MA?

The 2025 property tax bill for 12 Oswald St, Worcester, MA was $4,408. The county assessed it at $334,200.

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Closest homes

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Assigned schools

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