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Single Family ResidenceResidential
$639,747$559 / 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 88How 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 $309,000 on Oct 15, 2003

195 HAVERHILL ST

NORTH READING, MA 01864
3
Beds
1
Baths
1,144 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.
0.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$640K
$560K low$719K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$309,000 · Oct 15, 2003
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.$394,747
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$315,798
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.39%
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.$245,000
QUICKEN LOANS INC · R · recorded Jan 25, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,448 (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.$570,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$370,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$200,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$548,900

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.0.35
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
FireplaceWhether the home has a fireplace, and what kind.Yes
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.In-Ground Pool

Transaction History(9)

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.

M
North Reading Middle SchoolA-
Middle · Grades 6–8 · 0.4 mi
H
North Reading High SchoolA
High · Grades 9–12 · 0.4 mi
E
L.D. Batchelder Elementary SchoolA-
Elementary · Grades KG–5 · 0.5 mi

District: North Reading School District

Neighborhood · ZIP 01864These 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.38
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.87

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.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
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.15,861
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,181 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$140,298
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$192,654
Average tempThe average temperature here across a full year.49°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.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

195 Haverhill 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 76% of homes in North Reading 01864
  • Costs more per square foot than 86% of homes in North Reading 01864
  • Smaller than 83% of homes in Middlesex County
  • Has a smaller lot than 80% of homes in North Reading 01864
  • Older than 78% of homes in North Reading 01864

What homes are worth in North Reading 01864

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

This home
$298K$1.9M

This home is worth more than 24% of homes in North Reading 01864.

How it measures up in North Reading 01864

The dot is this home. The mark in the middle is the typical home in North Reading 01864.

Estimated value$639,747
CheaperTypical $806,293Pricier

Pricier than 24% of homes nearby

Price per ft²$559
CheaperTypical $440Pricier

Pricier than 86% of homes nearby

Living area1,144 ft²
SmallerTypical 1,776 ft²Bigger

Bigger than 19% of homes nearby

Lot size0.35 ac
SmallerTypical 0.71 acBigger

Bigger than 20% of homes nearby

Year built1954
OlderTypical 1974Newer

Newer than 22% of homes nearby

How 195 Haverhill St ranks against every home in each area.
MeasureThis homeNorth Reading 01864Middlesex County
Estimated valuepricier than$639,74724% of homes30% of homes
Price per ft²pricier than$55986% of homes70% of homes
Living areabigger than1,144 ft²19% of homes17% of homes
Lot sizebigger than0.35 ac20% of homes54% of homes
Year builtnewer than195422% of homes45% of homes

About 195 Haverhill St

How much is 195 Haverhill St, North Reading, MA worth?

The TopHap Estimate for 195 Haverhill St, North Reading, MA is $639,747 as of Jul 14, 2026. The likely range is $560,396 to $719,098. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 Haverhill St, North Reading, MA last sell?

195 Haverhill St, North Reading, MA last sold on Oct 15, 2003 for $309,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 195 Haverhill St, North Reading, MA?

195 Haverhill St, North Reading, MA has 3 bedrooms, 1 bathrooms, 1,144 square feet of living space and a 0.35-acre lot.

When was 195 Haverhill St, North Reading, MA built?

195 Haverhill St, North Reading, MA was built in 1954, making it 72 years old. It is a ranch home. The building has 1 story.

What schools serve 195 Haverhill St, North Reading, MA?

195 Haverhill St, North Reading, MA is assigned to North Reading Middle School (middle), rated A-; North Reading High School (high), rated A; L.D. Batchelder Elementary School (elementary), rated A-. All sit in North Reading School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 Haverhill St, North Reading, MA compare to other homes in North Reading 01864?

Among the 5,464 homes in North Reading 01864, it is worth more than 24% of them ($639,747 against a typical $806,293), its price per square foot is higher than 86% of them ($559 against a typical $440), it is bigger than 19% of them (1,144 ft² against a typical 1,776 ft²), its lot is bigger than 20% of them (0.35 ac against a typical 0.71 ac) and it is newer than 22% of them (1954 against a typical 1974). Measured against all of Middlesex 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 195 Haverhill St, North Reading, MA?

The 2025 property tax bill for 195 Haverhill St, North Reading, MA was $7,448. The county assessed it at $570,300.

Closest homes

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Assigned schools

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