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Single Family ResidenceResidential
$351,355$234 / 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

2 COTTAGE ST

PEPPERELL, MA 01463
3
Beds
1
Baths
1,502 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.
0.2 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

$351K
$310K low$393K 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.$326,355
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$261,084
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.7%
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.$25,000
BAY BANK · recorded Jul 16, 1993

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,529 (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.$309,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$111,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$198,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$356,820

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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.1 percent flood zone

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
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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
Varnum Brook Elementary SchoolC+
Elementary · Grades KG–4 · 0.5 mi
M
Nissitissit Middle SchoolB-
Middle · Grades 5–8 · 0.7 mi
H
North Middlesex Regional High SchoolB-
High · Grades 9–12 · 4.2 mi

District: North Middlesex School District

Neighborhood · ZIP 01463These 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.52
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.80

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.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
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.11,943
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.514 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$117,504
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$138,493
Average tempThe average temperature here across a full year.47°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.Absentee owner
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

2 Cottage 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 95% of homes in Middlesex County
  • Costs less per square foot than 98% of homes in Middlesex County
  • Smaller than 79% of homes in Pepperell 01463
  • Has a smaller lot than 96% of homes in Pepperell 01463
  • Older than 93% of homes in Middlesex County

What homes are worth in Pepperell 01463

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

This home
$306K$926K

This home is worth more than 7% of homes in Pepperell 01463.

How it measures up in Pepperell 01463

The dot is this home. The mark in the middle is the typical home in Pepperell 01463.

Estimated value$351,355
CheaperTypical $535,162Pricier

Pricier than 7% of homes nearby

Price per ft²$234
CheaperTypical $268Pricier

Pricier than 25% of homes nearby

Living area1,502 ft²
SmallerTypical 2,049 ft²Bigger

Bigger than 21% of homes nearby

Lot size0.2 ac
SmallerTypical 1.53 acBigger

Bigger than 4% of homes nearby

Year built1890
OlderTypical 1982Newer

Newer than 10% of homes nearby

How 2 Cottage St ranks against every home in each area.
MeasureThis homePepperell 01463Middlesex County
Estimated valuepricier than$351,3557% of homes5% of homes
Price per ft²pricier than$23425% of homes2% of homes
Living areabigger than1,502 ft²21% of homes35% of homes
Lot sizebigger than0.2 ac4% of homes34% of homes
Year builtnewer than189010% of homes7% of homes

About 2 Cottage St

How much is 2 Cottage St, Pepperell, MA worth?

The TopHap Estimate for 2 Cottage St, Pepperell, MA is $351,355 as of Jul 14, 2026. The likely range is $310,109 to $392,601. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2 Cottage St, Pepperell, MA last sell?

2 Cottage St, Pepperell, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 2 Cottage St, Pepperell, MA?

2 Cottage St, Pepperell, MA has 3 bedrooms, 1 bathrooms, 1,502 square feet of living space and a 0.20-acre lot.

When was 2 Cottage St, Pepperell, MA built?

2 Cottage St, Pepperell, MA was built in 1890, making it 136 years old. The building has 2 stories.

What schools serve 2 Cottage St, Pepperell, MA?

2 Cottage St, Pepperell, MA is assigned to Varnum Brook Elementary School (elementary), rated C+; Nissitissit Middle School (middle), rated B-; North Middlesex Regional High School (high), rated B-. All sit in North Middlesex School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2 Cottage St, Pepperell, MA compare to other homes in Pepperell 01463?

Among the 3,872 homes in Pepperell 01463, it is worth more than 7% of them ($351,355 against a typical $535,162), its price per square foot is higher than 25% of them ($234 against a typical $268), it is bigger than 21% of them (1,502 ft² against a typical 2,049 ft²), its lot is bigger than 4% of them (0.2 ac against a typical 1.53 ac) and it is newer than 10% of them (1890 against a typical 1982). Measured against all of Middlesex County, it is worth more than 5% 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 2 Cottage St, Pepperell, MA?

The 2025 property tax bill for 2 Cottage St, Pepperell, MA was $4,529. The county assessed it at $309,600.

Closest homes

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Assigned schools

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