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Single Family ResidenceResidential
$361,652$270 / 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 90How 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 $310,000 on Aug 18, 2023

45 RIVER AVE

GARDINER, ME 04345
3
Beds
2
Baths
1,337 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
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

$362K
$324K low$399K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$310,000 · Aug 18, 2023
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.$67,152
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$53,722
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.82%
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.$294,500
HARBORONE MORTGAGE · P · recorded Aug 18, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,098 (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.$117,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$95,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$298,110

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.126 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

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
CountyKENNEBEC
Lot (acres)The size of the land the home sits on, from county records.0.30
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
Laura E Richards School
Elementary · Grades PK–2 · 0.8 mi
H
Gardiner Area High SchoolB-
High · Grades 9–12 · 1.2 mi
M
Gardiner Regional Middle SchoolC+
Middle · Grades 6–8 · 1.9 mi

District: School Administrative District 11

Neighborhood · ZIP 04345These 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.89
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.70

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.12,905
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.169 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,268
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,055
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

45 River Ave 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 66% of homes in Kennebec County
  • Costs more per square foot than 76% of homes in Gardiner 04345
  • Has a smaller lot than 79% of homes in Kennebec County

What homes are worth in Gardiner 04345

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

This home
$148K$660K

This home is worth more than 65% of homes in Gardiner 04345.

How it measures up in Gardiner 04345

The dot is this home. The mark in the middle is the typical home in Gardiner 04345.

Estimated value$361,652
CheaperTypical $321,832Pricier

Pricier than 65% of homes nearby

Price per ft²$270
CheaperTypical $204Pricier

Pricier than 76% of homes nearby

Living area1,337 ft²
SmallerTypical 1,485 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.3 ac
SmallerTypical 1.1 acBigger

Bigger than 22% of homes nearby

Year built1956
OlderTypical 1948Newer

Newer than 56% of homes nearby

How 45 River Ave ranks against every home in each area.
MeasureThis homeGardiner 04345Kennebec County
Estimated valuepricier than$361,65265% of homes66% of homes
Price per ft²pricier than$27076% of homes64% of homes
Living areabigger than1,337 ft²40% of homes50% of homes
Lot sizebigger than0.3 ac22% of homes21% of homes
Year builtnewer than195656% of homes39% of homes

About 45 River Ave

How much is 45 River Ave, Gardiner, ME worth?

The TopHap Estimate for 45 River Ave, Gardiner, ME is $361,652 as of Jul 14, 2026. The likely range is $324,303 to $399,001. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 River Ave, Gardiner, ME last sell?

45 River Ave, Gardiner, ME last sold on Aug 18, 2023 for $310,000, according to the county's recorded deed.

How big is 45 River Ave, Gardiner, ME?

45 River Ave, Gardiner, ME has 3 bedrooms, 2 bathrooms, 1,337 square feet of living space and a 0.30-acre lot.

When was 45 River Ave, Gardiner, ME built?

45 River Ave, Gardiner, ME was built in 1956, making it 70 years old. It is a conventional home. The building has 2 stories.

What schools serve 45 River Ave, Gardiner, ME?

45 River Ave, Gardiner, ME is assigned to Laura E Richards School (elementary); Gardiner Area High School (high), rated B-; Gardiner Regional Middle School (middle), rated C+. All sit in School Administrative District 11. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 River Ave, Gardiner, ME compare to other homes in Gardiner 04345?

Among the 4,739 homes in Gardiner 04345, it is worth more than 65% of them ($361,652 against a typical $321,832), its price per square foot is higher than 76% of them ($270 against a typical $204), it is bigger than 40% of them (1,337 ft² against a typical 1,485 ft²), its lot is bigger than 22% of them (0.3 ac against a typical 1.1 ac) and it is newer than 56% of them (1956 against a typical 1948). Measured against all of Kennebec County, it is worth more than 66% 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 45 River Ave, Gardiner, ME?

The 2025 property tax bill for 45 River Ave, Gardiner, ME was $3,098. The county assessed it at $117,800.

Closest homes

More homes in Gardiner 04345

Assigned schools

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