Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$413,610$454 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $244,900 on Aug 27, 2020

245 SMITH ST

GARDNER, MA 01440
4
Beds
1
Baths
912 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.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
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

$414K
$385K low$443K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$244,900 · Aug 27, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,245 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$380,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$300,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$355,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$404,506

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.Raised Ranch
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.40
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(6)

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
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 0.5 mi
M
Gardner Middle SchoolD
Middle · Grades 5–7 · 0.8 mi
H
Gardner High SchoolD+
High · Grades 8–12 · 0.9 mi

District: Gardner School District

Neighborhood · ZIP 01440These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.21,657
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.854 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,433
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,787
Average tempThe average temperature here across a full year.45°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%

Owner Tools

Do you own this home?
Claim this home

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

245 Smith 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 67% of homes in Worcester County
  • Among the highest price per square foot in Gardner 01440
  • Smaller than 95% of homes in Worcester County
  • Newer than 75% of homes in Gardner 01440

What homes are worth in Gardner 01440

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

This home
$153K$645K

This home is worth more than 66% of homes in Gardner 01440.

How it measures up in Gardner 01440

The dot is this home. The mark in the middle is the typical home in Gardner 01440.

Estimated value$413,610
CheaperTypical $373,700Pricier

Pricier than 66% of homes nearby

Price per ft²$454
CheaperTypical $266Pricier

Pricier than almost all homes nearby

Living area912 ft²
SmallerTypical 1,488 ft²Bigger

Bigger than 11% of homes nearby

Lot size0.4 ac
SmallerTypical 0.32 acBigger

Bigger than 59% of homes nearby

Year built1981
OlderTypical 1949Newer

Newer than 75% of homes nearby

How 245 Smith St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Estimated valuepricier than$413,61066% of homes33% of homes
Price per ft²pricier than$454almost all homes96% of homes
Living areabigger than912 ft²11% of homes5% of homes
Lot sizebigger than0.4 ac59% of homes43% of homes
Year builtnewer than198175% of homes60% of homes

About 245 Smith St

How much is 245 Smith St, Gardner, MA worth?

The TopHap Estimate for 245 Smith St, Gardner, MA is $413,610 as of Oct 21, 2026. The likely range is $384,710 to $442,510. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 245 Smith St, Gardner, MA last sell?

245 Smith St, Gardner, MA last sold on Aug 27, 2020 for $244,900, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 245 Smith St, Gardner, MA?

245 Smith St, Gardner, MA has 4 bedrooms, 1 bathrooms, 912 square feet of living space and a 0.40-acre lot.

When was 245 Smith St, Gardner, MA built?

245 Smith St, Gardner, MA was built in 1981, making it 45 years old. It is a raised ranch home. The building has 1 story.

What schools serve 245 Smith St, Gardner, MA?

245 Smith St, Gardner, MA is assigned to Gardner Elementary School (elementary), rated D-; Gardner Middle School (middle), rated D; Gardner High School (high), rated D+. All sit in Gardner School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 245 Smith St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,707 homes in Gardner 01440, it is worth more than 66% of them ($413,610 against a typical $373,700), its price per square foot is higher than almost all of them ($454 against a typical $266), it is bigger than 11% of them (912 ft² against a typical 1,488 ft²), its lot is bigger than 59% of them (0.4 ac against a typical 0.32 ac) and it is newer than 75% of them (1981 against a typical 1949). Measured against all of Worcester County, it is worth more than 33% 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 245 Smith St, Gardner, MA?

The 2026 property tax bill for 245 Smith St, Gardner, MA was $5,245. The county assessed it at $380,900.

More homes on Smith St

Closest homes

More homes in Gardner 01440

Assigned schools

Explore the area

See this home in context

Open 245 Smith 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