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Single Family ResidenceResidential
$519,403$386 / 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 $487,500 on Jul 31, 2024

197 UPPER NORTH ROW RD

STERLING, MA 01564
3
Beds
1
Baths
1,346 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.
5.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
1
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

$519K
$459K low$580K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$487,500 · Jul 31, 2024
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.$40,734
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,587
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.93%
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.$478,669
TOTAL MORTGAGE SERVICES LLC · recorded Jul 31, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,285 (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.$410,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$162,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$248,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$454,195

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.64 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.area not mapped

Scores 0–100; higher = greater projected risk.

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.Split Level
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.5.20
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Chocksett Middle SchoolB+
Middle · Grades 5–8 · 4.4 mi
E
Houghton Elementary SchoolC
Elementary · Grades KG–4 · 4.5 mi
H
Wachusett Regional High SchoolB+
High · Grades 9–12 · 9.9 mi

District: Wachusett School District

Neighborhood · ZIP 01564These 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.37
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.63

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.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.3%
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.8,279
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.261 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$114,296
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$173,931
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

197 Upper North Row Rd 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 67% of homes in Sterling 01564
  • Costs more per square foot than 85% of homes in Sterling 01564
  • Smaller than 79% of homes in Sterling 01564
  • Has a bigger lot than 93% of homes in Worcester County
  • Older than 72% of homes in Sterling 01564

What homes are worth in Sterling 01564

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

This home
$270K$1.1M

This home is worth more than 33% of homes in Sterling 01564.

How it measures up in Sterling 01564

The dot is this home. The mark in the middle is the typical home in Sterling 01564.

Estimated value$519,403
CheaperTypical $614,169Pricier

Pricier than 33% of homes nearby

Price per ft²$386
CheaperTypical $332Pricier

Pricier than 85% of homes nearby

Living area1,346 ft²
SmallerTypical 1,896 ft²Bigger

Bigger than 21% of homes nearby

Lot size5.2 ac
SmallerTypical 1.17 acBigger

Bigger than 90% of homes nearby

Year built1964
OlderTypical 1981Newer

Newer than 28% of homes nearby

How 197 Upper North Row Rd ranks against every home in each area.
MeasureThis homeSterling 01564Worcester County
Estimated valuepricier than$519,40333% of homes58% of homes
Price per ft²pricier than$38685% of homes84% of homes
Living areabigger than1,346 ft²21% of homes31% of homes
Lot sizebigger than5.2 ac90% of homes93% of homes
Year builtnewer than196428% of homes46% of homes

About 197 Upper North Row Rd

How much is 197 Upper North Row Rd, Sterling, MA worth?

The TopHap Estimate for 197 Upper North Row Rd, Sterling, MA is $519,403 as of Jul 14, 2026. The likely range is $458,866 to $579,940. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 197 Upper North Row Rd, Sterling, MA last sell?

197 Upper North Row Rd, Sterling, MA last sold on Jul 31, 2024 for $487,500, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 197 Upper North Row Rd, Sterling, MA?

197 Upper North Row Rd, Sterling, MA has 3 bedrooms, 1 bathrooms, 1,346 square feet of living space and a 5.20-acre lot.

When was 197 Upper North Row Rd, Sterling, MA built?

197 Upper North Row Rd, Sterling, MA was built in 1964, making it 62 years old. It is a split level home. The building has 1 story.

What schools serve 197 Upper North Row Rd, Sterling, MA?

197 Upper North Row Rd, Sterling, MA is assigned to Chocksett Middle School (middle), rated B+; Houghton Elementary School (elementary), rated C; Wachusett Regional High School (high), rated B+. All sit in Wachusett School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 197 Upper North Row Rd, Sterling, MA compare to other homes in Sterling 01564?

Among the 2,985 homes in Sterling 01564, it is worth more than 33% of them ($519,403 against a typical $614,169), its price per square foot is higher than 85% of them ($386 against a typical $332), it is bigger than 21% of them (1,346 ft² against a typical 1,896 ft²), its lot is bigger than 90% of them (5.2 ac against a typical 1.17 ac) and it is newer than 28% of them (1964 against a typical 1981). Measured against all of Worcester County, it is worth more than 58% 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 197 Upper North Row Rd, Sterling, MA?

The 2025 property tax bill for 197 Upper North Row Rd, Sterling, MA was $5,285. The county assessed it at $410,300.

Closest homes

More homes in Sterling 01564

Assigned schools

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