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Single Family ResidenceResidential
$424,469$274 / 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 97How 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 $79,850 on Jul 24, 1998

40 FLAT ROCK RD

PETERSHAM, MA 01366
4
Beds
2
Baths
1,548 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.
1.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
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

$424K
$410K low$439K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$79,850 · Jul 24, 1998
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.$145,469
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$116,375
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.69%
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.$108,000
ATHOL SAVINGS BANK · recorded Jan 21, 2003
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.$143,000
METLIFE HOME LOANS
3rd 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.$28,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,103 (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.$352,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$56,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$295,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$327,900

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.Cape Cod
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.1.50
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

E
Petersham CenterA
Elementary · Grades KG–6 · 3.3 mi
M
Ralph C. Mahar Regional High SchoolC
Middle · Grades 7–12 · 5.2 mi

District: Ralph C. Mahar School District

Neighborhood · ZIP 01366These 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.138
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.87%
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.7.1%
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.819
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.18 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$104,718
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,158
Average tempThe average temperature here across a full year.46°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.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

40 Flat Rock Rd 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 65% of homes in Worcester County
  • Costs more per square foot than 70% of homes in Petersham 01366
  • Smaller than 66% of homes in Petersham 01366
  • Has a smaller lot than 85% of homes in Petersham 01366
  • Newer than 81% of homes in Worcester County

What homes are worth in Petersham 01366

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

This home
$254K$816K

This home is worth more than 38% of homes in Petersham 01366.

How it measures up in Petersham 01366

The dot is this home. The mark in the middle is the typical home in Petersham 01366.

Estimated value$424,469
CheaperTypical $463,218Pricier

Pricier than 38% of homes nearby

Price per ft²$274
CheaperTypical $245Pricier

Pricier than 70% of homes nearby

Living area1,548 ft²
SmallerTypical 1,805 ft²Bigger

Bigger than 34% of homes nearby

Lot size1.5 ac
SmallerTypical 3.64 acBigger

Bigger than 15% of homes nearby

Year built1998
OlderTypical 1968Newer

Newer than 77% of homes nearby

How 40 Flat Rock Rd ranks against every home in each area.
MeasureThis homePetersham 01366Worcester County
Estimated valuepricier than$424,46938% of homes35% of homes
Price per ft²pricier than$27470% of homes31% of homes
Living areabigger than1,548 ft²34% of homes42% of homes
Lot sizebigger than1.5 ac15% of homes78% of homes
Year builtnewer than199877% of homes81% of homes

About 40 Flat Rock Rd

How much is 40 Flat Rock Rd, Petersham, MA worth?

The TopHap Estimate for 40 Flat Rock Rd, Petersham, MA is $424,469 as of Jul 14, 2026. The likely range is $410,023 to $438,915. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Flat Rock Rd, Petersham, MA last sell?

40 Flat Rock Rd, Petersham, MA last sold on Jul 24, 1998 for $79,850, according to the county's recorded deed.

How big is 40 Flat Rock Rd, Petersham, MA?

40 Flat Rock Rd, Petersham, MA has 4 bedrooms, 2 bathrooms, 1,548 square feet of living space and a 1.50-acre lot.

When was 40 Flat Rock Rd, Petersham, MA built?

40 Flat Rock Rd, Petersham, MA was built in 1998, making it 28 years old. It is a cape cod home. The building has 2 stories.

What schools serve 40 Flat Rock Rd, Petersham, MA?

40 Flat Rock Rd, Petersham, MA is assigned to Petersham Center (elementary), rated A; Ralph C. Mahar Regional High School (middle), rated C. All sit in Ralph C. Mahar School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Flat Rock Rd, Petersham, MA compare to other homes in Petersham 01366?

Among the 552 homes in Petersham 01366, it is worth more than 38% of them ($424,469 against a typical $463,218), its price per square foot is higher than 70% of them ($274 against a typical $245), it is bigger than 34% of them (1,548 ft² against a typical 1,805 ft²), its lot is bigger than 15% of them (1.5 ac against a typical 3.64 ac) and it is newer than 77% of them (1998 against a typical 1968). Measured against all of Worcester County, it is worth more than 35% 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 40 Flat Rock Rd, Petersham, MA?

The 2025 property tax bill for 40 Flat Rock Rd, Petersham, MA was $5,103. The county assessed it at $352,200.

Closest homes

More homes in Petersham 01366

Assigned schools

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