Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$416,894$414 / 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

21 RIVER ST

HOLDEN, MA 01520
3
Beds
1
Baths
1,008 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
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

$417K
$399K low$435K 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.$40,894
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,715
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.87%
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.$311,000
FAIRWAY INDEPENDENT MORTGAGE CORP · P · recorded Oct 20, 2021
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.$65,000
ALL ONE CREDIT UNION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,177 (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.$373,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$133,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$240,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$334,200

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
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.36
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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.

E
Dr. Leroy E. Mayo Elementary SchoolA
Elementary · Grades KG–5 · 1.5 mi
H
Wachusett Regional High SchoolB+
High · Grades 9–12 · 1.8 mi
M
Mountview Middle SchoolB
Middle · Grades 6–8 · 2.4 mi

District: Wachusett School District

Neighborhood · ZIP 01520These 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.57
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 100.59

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.98%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.16,121
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.782 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$138,960
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,066
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

21 River 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 86% of homes in Holden 01520
  • Costs more per square foot than 91% of homes in Holden 01520
  • Smaller than 93% of homes in Holden 01520
  • Has a smaller lot than 71% of homes in Holden 01520

What homes are worth in Holden 01520

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

This home
$326K$965K

This home is worth more than 14% of homes in Holden 01520.

How it measures up in Holden 01520

The dot is this home. The mark in the middle is the typical home in Holden 01520.

Estimated value$416,894
CheaperTypical $543,799Pricier

Pricier than 14% of homes nearby

Price per ft²$414
CheaperTypical $313Pricier

Pricier than 91% of homes nearby

Living area1,008 ft²
SmallerTypical 1,746 ft²Bigger

Bigger than 7% of homes nearby

Lot size0.36 ac
SmallerTypical 0.47 acBigger

Bigger than 29% of homes nearby

Year built1970
OlderTypical 1968Newer

Newer than 55% of homes nearby

How 21 River St ranks against every home in each area.
MeasureThis homeHolden 01520Worcester County
Estimated valuepricier than$416,89414% of homes32% of homes
Price per ft²pricier than$41491% of homes90% of homes
Living areabigger than1,008 ft²7% of homes10% of homes
Lot sizebigger than0.36 ac29% of homes40% of homes
Year builtnewer than197055% of homes51% of homes

About 21 River St

How much is 21 River St, Holden, MA worth?

The TopHap Estimate for 21 River St, Holden, MA is $416,894 as of Jul 14, 2026. The likely range is $398,892 to $434,896. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 21 River St, Holden, MA?

21 River St, Holden, MA has 3 bedrooms, 1 bathrooms, 1,008 square feet of living space and a 0.36-acre lot.

When was 21 River St, Holden, MA built?

21 River St, Holden, MA was built in 1970, making it 56 years old. It is a ranch home. The building has 1 story.

What schools serve 21 River St, Holden, MA?

21 River St, Holden, MA is assigned to Dr. Leroy E. Mayo Elementary School (elementary), rated A; Wachusett Regional High School (high), rated B+; Mountview Middle School (middle), rated B. All sit in Wachusett School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 River St, Holden, MA compare to other homes in Holden 01520?

Among the 5,701 homes in Holden 01520, it is worth more than 14% of them ($416,894 against a typical $543,799), its price per square foot is higher than 91% of them ($414 against a typical $313), it is bigger than 7% of them (1,008 ft² against a typical 1,746 ft²), its lot is bigger than 29% of them (0.36 ac against a typical 0.47 ac) and it is newer than 55% of them (1970 against a typical 1968). Measured against all of Worcester County, it is worth more than 32% 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 River St, Holden, MA?

The 2025 property tax bill for 21 River St, Holden, MA was $5,177. The county assessed it at $373,500.

More homes on River St

Closest homes

More homes in Holden 01520

Assigned schools

Explore the area

See this home in context

Open 21 River St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map