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Single Family ResidenceResidential
$659,908$367 / 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 Jul 14, 2026

3 WATER ST

ASHLAND, MA 01721
4
Beds
2.5
Baths
1,800 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.
0.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$660K
$615K low$705K 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.$458,608
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$366,886
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.32%
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.$120,000
SOVEREIGN BANK · recorded Jun 14, 2006
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.$81,300
MORGAN STANLEY DEAN

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,478 (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.$585,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$220,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$364,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$689,035

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
CountyMIDDLESEX
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1988
Lot (acres)The size of the land the home sits on, from county records.0.35
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(8)

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
Ashland Middle SchoolA
Middle · Grades 6–8 · 0.9 mi
H
Ashland High SchoolA
High · Grades 9–12 · 1.1 mi
E
Henry E Warren Elementary School
Elementary · Grades KG–2 · 1.9 mi

District: Ashland School District

Neighborhood · ZIP 01721These 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.47
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
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.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.1%
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.18,969
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,481 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$135,702
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$157,800
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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.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

3 Water 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 Middlesex County
  • Costs less per square foot than 77% of homes in Middlesex County
  • Has a smaller lot than 83% of homes in Ashland 01721
  • Newer than 72% of homes in Middlesex County

What homes are worth in Ashland 01721

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

This home
$433K$1.3M

This home is worth more than 45% of homes in Ashland 01721.

How it measures up in Ashland 01721

The dot is this home. The mark in the middle is the typical home in Ashland 01721.

Estimated value$659,908
CheaperTypical $682,841Pricier

Pricier than 45% of homes nearby

Price per ft²$367
CheaperTypical $390Pricier

Pricier than 32% of homes nearby

Living area1,800 ft²
SmallerTypical 1,799 ft²Bigger

Bigger than 50% of homes nearby

Lot size0.35 ac
SmallerTypical 0.73 acBigger

Bigger than 17% of homes nearby

Year built1980
OlderTypical 1984Newer

Newer than 42% of homes nearby

How 3 Water St ranks against every home in each area.
MeasureThis homeAshland 01721Middlesex County
Estimated valuepricier than$659,90845% of homes33% of homes
Price per ft²pricier than$36732% of homes23% of homes
Living areabigger than1,800 ft²50% of homes49% of homes
Lot sizebigger than0.35 ac17% of homes54% of homes
Year builtnewer than198042% of homes72% of homes

About 3 Water St

How much is 3 Water St, Ashland, MA worth?

The TopHap Estimate for 3 Water St, Ashland, MA is $659,908 as of Jul 14, 2026. The likely range is $614,703 to $705,113. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Water St, Ashland, MA last sell?

3 Water St, Ashland, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3 Water St, Ashland, MA?

3 Water St, Ashland, MA has 4 bedrooms, 2.5 bathrooms, 1,800 square feet of living space and a 0.35-acre lot.

When was 3 Water St, Ashland, MA built?

3 Water St, Ashland, MA was built in 1980, making it 46 years old. It is a conventional home. The building has 2 stories.

What schools serve 3 Water St, Ashland, MA?

3 Water St, Ashland, MA is assigned to Ashland Middle School (middle), rated A; Ashland High School (high), rated A; Henry E Warren Elementary School (elementary). All sit in Ashland School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 Water St, Ashland, MA compare to other homes in Ashland 01721?

Among the 6,092 homes in Ashland 01721, it is worth more than 45% of them ($659,908 against a typical $682,841), its price per square foot is higher than 32% of them ($367 against a typical $390), it is bigger than 50% of them (1,800 ft² against a typical 1,799 ft²), its lot is bigger than 17% of them (0.35 ac against a typical 0.73 ac) and it is newer than 42% of them (1980 against a typical 1984). Measured against all of Middlesex 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 3 Water St, Ashland, MA?

The 2025 property tax bill for 3 Water St, Ashland, MA was $7,478. The county assessed it at $585,600.

Closest homes

More homes in Ashland 01721

Assigned schools

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