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Single Family ResidenceResidential
$341,824$187 / 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 95How 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 $227,000 on Oct 26, 2018

38 CHARLES ST

THREE RIVERS, MA 01080
4
Beds
1.5
Baths
1,825 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.
0.53 ac
Lot SizeThe size of the land the home sits on, from county records.
1894
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$342K
$326K low$358K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$227,000 · Oct 26, 2018
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.$97,609
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$78,087
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.77%
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.$244,215
UNITED WHOLESALE MORTGAGE · recorded Jul 20, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,820 (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.$264,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$67,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$196,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$293,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$286,425

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.0.53
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(4)

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 · 0.7 mi
M
Palmer High SchoolC+
Middle · Grades 7–12 · 0.8 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

38 Charles 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 more than 74% of homes in Three Rivers 01080
  • Costs less per square foot than 88% of homes in Three Rivers 01080
  • Bigger than 71% of homes in Three Rivers 01080
  • Has a bigger lot than 77% of homes in Three Rivers 01080
  • Older than 96% 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
$174K$448K

This home is worth more than 74% 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$341,824
CheaperTypical $310,783Pricier

Pricier than 74% of homes nearby

Price per ft²$187
CheaperTypical $238Pricier

Pricier than 12% of homes nearby

Living area1,825 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 71% of homes nearby

Lot size0.53 ac
SmallerTypical 0.29 acBigger

Bigger than 77% of homes nearby

Year built1894
OlderTypical 1945Newer

Newer than 12% of homes nearby

How 38 Charles St ranks against every home in each area.
MeasureThis homeThree Rivers 01080Hampden County
Estimated valuepricier than$341,82474% of homes51% of homes
Price per ft²pricier than$18712% of homes14% of homes
Living areabigger than1,825 ft²71% of homes65% of homes
Lot sizebigger than0.53 ac77% of homes70% of homes
Year builtnewer than189412% of homes4% of homes

About 38 Charles St

How much is 38 Charles St, Three Rivers, MA worth?

The TopHap Estimate for 38 Charles St, Three Rivers, MA is $341,824 as of Jul 14, 2026. The likely range is $326,108 to $357,540. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Charles St, Three Rivers, MA last sell?

38 Charles St, Three Rivers, MA last sold on Oct 26, 2018 for $227,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 38 Charles St, Three Rivers, MA?

38 Charles St, Three Rivers, MA has 4 bedrooms, 1.5 bathrooms, 1,825 square feet of living space and a 0.53-acre lot.

When was 38 Charles St, Three Rivers, MA built?

38 Charles St, Three Rivers, MA was built in 1894, making it 132 years old. It is a conventional home. The building has 2 stories.

What schools serve 38 Charles St, Three Rivers, MA?

38 Charles 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 38 Charles 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 74% of them ($341,824 against a typical $310,783), its price per square foot is higher than 12% of them ($187 against a typical $238), it is bigger than 71% of them (1,825 ft² against a typical 1,400 ft²), its lot is bigger than 77% of them (0.53 ac against a typical 0.29 ac) and it is newer than 12% of them (1894 against a typical 1945). Measured against all of Hampden County, it is worth more than 51% 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 38 Charles St, Three Rivers, MA?

The 2025 property tax bill for 38 Charles St, Three Rivers, MA was $4,820. The county assessed it at $264,400.

More homes on Charles St

Closest homes

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Assigned schools

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