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Single Family ResidenceResidential
$537,285$546 / 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 97How 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

12 S ROW ST

CHELMSFORD, MA 01824
3
Beds
1
Baths
984 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.
0.47 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
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

$537K
$520K low$554K 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.$502,285
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$401,828
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.6%
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.$35,000
FAMILY BANK · recorded Apr 6, 1998

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,811 (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.$490,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$283,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$206,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$561,070

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.Ranch
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.47
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
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(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.

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

E
South RowA-
Elementary · Grades KG–4 · 0.2 mi
M
McCarthy Middle SchoolB
Middle · Grades 7–8 · 3.5 mi
H
Chelmsford High SchoolA
High · Grades 9–12 · 3.9 mi

District: Chelmsford School District

Neighborhood · ZIP 01824These 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.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.9%
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.27,961
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,525 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$133,207
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$151,835
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

12 S Row 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 85% of homes in Chelmsford 01824
  • Costs more per square foot than 90% of homes in Chelmsford 01824
  • Smaller than 94% of homes in Chelmsford 01824
  • Has a smaller lot than 79% of homes in Chelmsford 01824
  • Older than 80% of homes in Chelmsford 01824

What homes are worth in Chelmsford 01824

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

This home
$325K$1.1M

This home is worth more than 15% of homes in Chelmsford 01824.

How it measures up in Chelmsford 01824

The dot is this home. The mark in the middle is the typical home in Chelmsford 01824.

Estimated value$537,285
CheaperTypical $689,628Pricier

Pricier than 15% of homes nearby

Price per ft²$546
CheaperTypical $400Pricier

Pricier than 90% of homes nearby

Living area984 ft²
SmallerTypical 1,666 ft²Bigger

Bigger than 6% of homes nearby

Lot size0.47 ac
SmallerTypical 0.8 acBigger

Bigger than 21% of homes nearby

Year built1955
OlderTypical 1965Newer

Newer than 20% of homes nearby

How 12 S Row St ranks against every home in each area.
MeasureThis homeChelmsford 01824Middlesex County
Estimated valuepricier than$537,28515% of homes18% of homes
Price per ft²pricier than$54690% of homes68% of homes
Living areabigger than984 ft²6% of homes10% of homes
Lot sizebigger than0.47 ac21% of homes63% of homes
Year builtnewer than195520% of homes47% of homes

About 12 S Row St

How much is 12 S Row St, Chelmsford, MA worth?

The TopHap Estimate for 12 S Row St, Chelmsford, MA is $537,285 as of Jul 14, 2026. The likely range is $520,294 to $554,276. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 S Row St, Chelmsford, MA last sell?

12 S Row St, Chelmsford, MA last sold on Jun 30, 2016, according to the county's recorded deed.

How big is 12 S Row St, Chelmsford, MA?

12 S Row St, Chelmsford, MA has 3 bedrooms, 1 bathrooms, 984 square feet of living space and a 0.47-acre lot.

When was 12 S Row St, Chelmsford, MA built?

12 S Row St, Chelmsford, MA was built in 1955, making it 71 years old. It is a ranch home. The building has 1 story.

What schools serve 12 S Row St, Chelmsford, MA?

12 S Row St, Chelmsford, MA is assigned to South Row (elementary), rated A-; McCarthy Middle School (middle), rated B; Chelmsford High School (high), rated A. All sit in Chelmsford School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 S Row St, Chelmsford, MA compare to other homes in Chelmsford 01824?

Among the 8,861 homes in Chelmsford 01824, it is worth more than 15% of them ($537,285 against a typical $689,628), its price per square foot is higher than 90% of them ($546 against a typical $400), it is bigger than 6% of them (984 ft² against a typical 1,666 ft²), its lot is bigger than 21% of them (0.47 ac against a typical 0.8 ac) and it is newer than 20% of them (1955 against a typical 1965). Measured against all of Middlesex County, it is worth more than 18% 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 S Row St, Chelmsford, MA?

The 2025 property tax bill for 12 S Row St, Chelmsford, MA was $6,811. The county assessed it at $490,000.

Closest homes

More homes in Chelmsford 01824

Assigned schools

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