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Single Family ResidenceResidential
$523,032$311 / 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 $171,000 on Aug 10, 1999

40 RUTH ST

LOWELL, MA 01851
3
Beds
1
Baths
1,684 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.
3,485 ft²
Lot SizeThe size of the land the home sits on, from county records.
1930
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.
Pre-foreclosure (NOS)A foreclosure notice on this home is currently active. Many are worked out before any auction happens.
Auction scheduled for May 18, 2026.

Valuation

$523K
$494K low$552K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$171,000 · Aug 10, 1999
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.$278,032
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$222,426
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.42%
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.$190,000
ABN AMRO MORTGAGE GROUP INC · recorded Aug 30, 2001
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.$55,000
ROBERT J CARNEVALE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,416 (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.$384,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$154,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$230,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$474,715

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.Colonial
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.08
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
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(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(10)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
James S Daley Middle SchoolA-
Middle · Grades 5–8 · 0.3 mi
E
Charles W MoreyB
Elementary · Grades PK–4 · 0.4 mi
H
Lowell High SchoolC-
High · Grades 9–12 · 1.8 mi

District: Lowell School District

Neighborhood · ZIP 01851These 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.111
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 100.85

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
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.33,136
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.9,695 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,238
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,324
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

40 Ruth 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 84% of homes in Middlesex County
  • Costs less per square foot than 90% of homes in Middlesex County
  • Has a smaller lot than 95% of homes in Highlands
  • Older than 68% of homes in Middlesex County

What homes are worth in Lowell 01851

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

This home
$243K$784K

This home is worth more than 57% of homes in Lowell 01851.

How it measures up in Lowell 01851

The dot is this home. The mark in the middle is the typical home in Lowell 01851.

Estimated value$523,032
CheaperTypical $507,181Pricier

Pricier than 57% of homes nearby

Price per ft²$311
CheaperTypical $326Pricier

Pricier than 41% of homes nearby

Living area1,684 ft²
SmallerTypical 1,752 ft²Bigger

Bigger than 46% of homes nearby

Lot size3,485 ft²
SmallerTypical 0.14 acBigger

Bigger than 13% of homes nearby

Year built1930
OlderTypical 1920Newer

Newer than 60% of homes nearby

How 40 Ruth St ranks against every home in each area.
MeasureThis homeHighlandsLowell 01851Middlesex County
Estimated valuepricier than$523,03246% of homes57% of homes16% of homes
Price per ft²pricier than$31136% of homes41% of homes10% of homes
Living areabigger than1,684 ft²47% of homes46% of homes43% of homes
Lot sizebigger than3,485 ft²5% of homes13% of homes7% of homes
Year builtnewer than193053% of homes60% of homes32% of homes

About 40 Ruth St

How much is 40 Ruth St, Lowell, MA worth?

The TopHap Estimate for 40 Ruth St, Lowell, MA is $523,032 as of Jul 14, 2026. The likely range is $494,330 to $551,734. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Ruth St, Lowell, MA last sell?

40 Ruth St, Lowell, MA last sold on Aug 10, 1999 for $171,000, according to the county's recorded deed.

How big is 40 Ruth St, Lowell, MA?

40 Ruth St, Lowell, MA has 3 bedrooms, 1 bathrooms, 1,684 square feet of living space and a 0.08-acre lot.

When was 40 Ruth St, Lowell, MA built?

40 Ruth St, Lowell, MA was built in 1930, making it 96 years old. It is a colonial home. The building has 2 stories.

What schools serve 40 Ruth St, Lowell, MA?

40 Ruth St, Lowell, MA is assigned to James S Daley Middle School (middle), rated A-; Charles W Morey (elementary), rated B; Lowell High School (high), rated C-. All sit in Lowell School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Ruth St, Lowell, MA compare to other homes in Lowell 01851?

Among the 5,774 homes in Lowell 01851, it is worth more than 57% of them ($523,032 against a typical $507,181), its price per square foot is higher than 41% of them ($311 against a typical $326), it is bigger than 46% of them (1,684 ft² against a typical 1,752 ft²), its lot is bigger than 13% of them (3,485 ft² against a typical 0.14 ac) and it is newer than 60% of them (1930 against a typical 1920). Measured against all of Middlesex County, it is worth more than 16% 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 Ruth St, Lowell, MA?

The 2025 property tax bill for 40 Ruth St, Lowell, MA was $4,416. The county assessed it at $384,700.

Closest homes

More homes in Lowell 01851

Assigned schools

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