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Single Family ResidenceResidential
$322,840$236 / 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 Sep 24, 2026

46 WATER ST

GARDNER, MA 01440
3
Beds
1.5
Baths
1,367 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$323K
$313K low$332K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,931 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$285,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$78,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$206,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$278,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$309,861

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.Bungalow
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.34
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.

H
Gardner High SchoolD+
High · Grades 8–12 · 1.7 mi
M
Gardner Middle SchoolD
Middle · Grades 5–7 · 1.9 mi
E
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 2.1 mi

District: Gardner School District

Neighborhood · ZIP 01440These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.13%
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.21,657
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.854 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,433
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,787
Average tempThe average temperature here across a full year.45°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%

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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

46 Water 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 89% of homes in Worcester County
  • Costs less per square foot than 85% of homes in Worcester County
  • Smaller than 69% of homes in Worcester County
  • Older than 78% of homes in Worcester County

What homes are worth in Gardner 01440

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

This home
$157K$645K

This home is worth more than 27% of homes in Gardner 01440.

How it measures up in Gardner 01440

The dot is this home. The mark in the middle is the typical home in Gardner 01440.

Estimated value$322,840
CheaperTypical $373,897Pricier

Pricier than 27% of homes nearby

Price per ft²$236
CheaperTypical $267Pricier

Pricier than 27% of homes nearby

Living area1,367 ft²
SmallerTypical 1,496 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.34 ac
SmallerTypical 0.29 acBigger

Bigger than 58% of homes nearby

Year built1925
OlderTypical 1950Newer

Newer than 37% of homes nearby

How 46 Water St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Estimated valuepricier than$322,84027% of homes11% of homes
Price per ft²pricier than$23627% of homes15% of homes
Living areabigger than1,367 ft²42% of homes31% of homes
Lot sizebigger than0.34 ac58% of homes38% of homes
Year builtnewer than192537% of homes22% of homes

About 46 Water St

How much is 46 Water St, Gardner, MA worth?

The TopHap Estimate for 46 Water St, Gardner, MA is $322,840 as of Sep 24, 2026. The likely range is $313,343 to $332,337. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 46 Water St, Gardner, MA last sell?

46 Water St, Gardner, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 46 Water St, Gardner, MA?

46 Water St, Gardner, MA has 3 bedrooms, 1.5 bathrooms, 1,367 square feet of living space and a 0.34-acre lot.

When was 46 Water St, Gardner, MA built?

46 Water St, Gardner, MA was built in 1925, making it 101 years old. It is a bungalow home. The building has 1 story.

What schools serve 46 Water St, Gardner, MA?

46 Water St, Gardner, MA is assigned to Gardner High School (high), rated D+; Gardner Middle School (middle), rated D; Gardner Elementary School (elementary), rated D-. All sit in Gardner School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 46 Water St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,707 homes in Gardner 01440, it is worth more than 27% of them ($322,840 against a typical $373,897), its price per square foot is higher than 27% of them ($236 against a typical $267), it is bigger than 42% of them (1,367 ft² against a typical 1,496 ft²), its lot is bigger than 58% of them (0.34 ac against a typical 0.29 ac) and it is newer than 37% of them (1925 against a typical 1950). Measured against all of Worcester County, it is worth more than 11% 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 46 Water St, Gardner, MA?

The 2026 property tax bill for 46 Water St, Gardner, MA was $3,931. The county assessed it at $285,500.

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