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Single Family ResidenceResidential
$235,020$161 / 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 96How 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 $125,000 on Dec 30, 2016

21 KELLEY ST

THREE RIVERS, MA 01080
4
Beds
1.5
Baths
1,458 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.
3,920 ft²
Lot SizeThe size of the land the home sits on, from county records.
1870
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$235K
$225K low$245K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,000 · Dec 30, 2016
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.$106,440
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$85,152
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.55%
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.$122,735
PARAMOUNT RES MTG GP · recorded Dec 30, 2016
2nd 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.$5,845
SECRETARY HOUSING URBAN DEVELOPMENT

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,602 (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.$197,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$57,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$140,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$179,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$272,650

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
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.09
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(21)

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
Old Mill PondD+
Elementary · Grades PK–6 · 1.3 mi
M
Palmer High SchoolC+
Middle · Grades 7–12 · 1.4 mi

District: Palmer School District

Neighborhood · ZIP 01080These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
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.1.7%
PopulationHow many people live in this area.1,880
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,024 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,192
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,572
Average tempThe average temperature here across a full year.48°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.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

21 Kelley 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 93% of homes in Hampden County
  • Costs less per square foot than 93% of homes in Three Rivers 01080
  • Among the smallest lots in Three Rivers 01080
  • Older than 98% of homes in Hampden County

What homes are worth in Three Rivers 01080

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

This home
$183K$448K

This home is worth more than 9% of homes in Three Rivers 01080.

How it measures up in Three Rivers 01080

The dot is this home. The mark in the middle is the typical home in Three Rivers 01080.

Estimated value$235,020
CheaperTypical $311,404Pricier

Pricier than 9% of homes nearby

Price per ft²$161
CheaperTypical $238Pricier

Pricier than 7% of homes nearby

Living area1,458 ft²
SmallerTypical 1,413 ft²Bigger

Bigger than 53% of homes nearby

Lot size3,920 ft²
SmallerTypical 0.29 acBigger

Smaller than almost all homes nearby

Year built1870
OlderTypical 1945Newer

Newer than 5% of homes nearby

How 21 Kelley St ranks against every home in each area.
MeasureThis homeThree Rivers 01080Hampden County
Estimated valuepricier than$235,0209% of homes7% of homes
Price per ft²pricier than$1617% of homes7% of homes
Living areabigger than1,458 ft²53% of homes45% of homes
Lot sizebigger than3,920 ft²almost no homesalmost no homes
Year builtnewer than18705% of homes2% of homes

About 21 Kelley St

How much is 21 Kelley St, Three Rivers, MA worth?

The TopHap Estimate for 21 Kelley St, Three Rivers, MA is $235,020 as of Jul 14, 2026. The likely range is $225,135 to $244,905. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Kelley St, Three Rivers, MA last sell?

21 Kelley St, Three Rivers, MA last sold on Dec 30, 2016 for $125,000, according to the county's recorded deed. TopHap holds 14 recorded sales for this parcel.

How big is 21 Kelley St, Three Rivers, MA?

21 Kelley St, Three Rivers, MA has 4 bedrooms, 1.5 bathrooms, 1,458 square feet of living space and a 0.09-acre lot.

When was 21 Kelley St, Three Rivers, MA built?

21 Kelley St, Three Rivers, MA was built in 1870, making it 156 years old. It is a conventional home. The building has 1 story.

What schools serve 21 Kelley St, Three Rivers, MA?

21 Kelley St, Three Rivers, MA is assigned to Old Mill Pond (elementary), rated D+; Palmer High School (middle), rated C+. All sit in Palmer School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 Kelley St, Three Rivers, MA compare to other homes in Three Rivers 01080?

Among the 686 homes in Three Rivers 01080, it is worth more than 9% of them ($235,020 against a typical $311,404), its price per square foot is higher than 7% of them ($161 against a typical $238), it is bigger than 53% of them (1,458 ft² against a typical 1,413 ft²), its lot is bigger than almost none of them (3,920 ft² against a typical 0.29 ac) and it is newer than 5% of them (1870 against a typical 1945). Measured against all of Hampden County, it is worth more than 7% 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 21 Kelley St, Three Rivers, MA?

The 2025 property tax bill for 21 Kelley St, Three Rivers, MA was $3,602. The county assessed it at $197,600.

Closest homes

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Assigned schools

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