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Single Family ResidenceResidential
$325,521$164 / 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 87How 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

44 RUGGLES HILL RD

HARDWICK, MA 01037
2
Beds
1
Baths
1,980 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1760
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$326K
$285K low$366K 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.$213,521
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$170,817
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.36%
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.$112,000
COUNTRY BANK · recorded Nov 22, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,742 (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.$284,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$67,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$216,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$616,930

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
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Stone
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(2)

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
Hardwick Elementary SchoolC
Elementary · Grades KG–6 · 2.4 mi
H
Quabbin Regional High SchoolC
High · Grades 9–12 · 5.5 mi
M
Quabbin Regional Middle SchoolD+
Middle · Grades 7–8 · 5.5 mi

District: Quabbin School District

Neighborhood · ZIP 01037These 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.146
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.377
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.47 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,154
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,418
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.Absentee owner
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

44 Ruggles Hill 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 90% of homes in Worcester County
  • Among the lowest price per square foot in Worcester County
  • Among the smallest lots in Hardwick 01037
  • Among the oldest homes in Worcester County

What homes are worth in Hardwick 01037

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

This home
$224K$882K

This home is worth more than 15% of homes in Hardwick 01037.

How it measures up in Hardwick 01037

The dot is this home. The mark in the middle is the typical home in Hardwick 01037.

Estimated value$325,521
CheaperTypical $440,000Pricier

Pricier than 15% of homes nearby

Price per ft²$164
CheaperTypical $244Pricier

Pricier than 9% of homes nearby

Living area1,980 ft²
SmallerTypical 1,955 ft²Bigger

Bigger than 51% of homes nearby

Lot size0.23 ac
SmallerTypical 3 acBigger

Smaller than almost all homes nearby

Year built1760
OlderTypical 1975Newer

Newer than 2% of homes nearby

How 44 Ruggles Hill Rd ranks against every home in each area.
MeasureThis homeHardwick 01037Worcester County
Estimated valuepricier than$325,52115% of homes10% of homes
Price per ft²pricier than$1649% of homesalmost no homes
Living areabigger than1,980 ft²51% of homes63% of homes
Lot sizebigger than0.23 acalmost no homes23% of homes
Year builtnewer than17602% of homesalmost no homes

About 44 Ruggles Hill Rd

How much is 44 Ruggles Hill Rd, Hardwick, MA worth?

The TopHap Estimate for 44 Ruggles Hill Rd, Hardwick, MA is $325,521 as of Jul 14, 2026. The likely range is $284,587 to $366,455. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 44 Ruggles Hill Rd, Hardwick, MA last sell?

44 Ruggles Hill Rd, Hardwick, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 44 Ruggles Hill Rd, Hardwick, MA?

44 Ruggles Hill Rd, Hardwick, MA has 2 bedrooms, 1 bathrooms, 1,980 square feet of living space and a 0.23-acre lot.

When was 44 Ruggles Hill Rd, Hardwick, MA built?

44 Ruggles Hill Rd, Hardwick, MA was built in 1760, making it 266 years old. It is a colonial home. The building has 2 stories.

What schools serve 44 Ruggles Hill Rd, Hardwick, MA?

44 Ruggles Hill Rd, Hardwick, MA is assigned to Hardwick Elementary School (elementary), rated C; Quabbin Regional High School (high), rated C; Quabbin Regional Middle School (middle), rated D+. All sit in Quabbin School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 44 Ruggles Hill Rd, Hardwick, MA compare to other homes in Hardwick 01037?

Among the 384 homes in Hardwick 01037, it is worth more than 15% of them ($325,521 against a typical $440,000), its price per square foot is higher than 9% of them ($164 against a typical $244), it is bigger than 51% of them (1,980 ft² against a typical 1,955 ft²), its lot is bigger than almost none of them (0.23 ac against a typical 3 ac) and it is newer than 2% of them (1760 against a typical 1975). Measured against all of Worcester County, it is worth more than 10% 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 44 Ruggles Hill Rd, Hardwick, MA?

The 2025 property tax bill for 44 Ruggles Hill Rd, Hardwick, MA was $3,742. The county assessed it at $284,600.

Closest homes

More homes in Hardwick 01037

Assigned schools

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