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Single Family ResidenceResidential
$369,534$403 / 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 98How 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 $360,000 on Jan 13, 2026

476 COTTAGE ST

ATHOL, MA 01331
3
Beds
1
Baths
918 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.
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
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.

Valuation

$370K
$360K low$379K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$360,000 · Jan 13, 2026
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.$16,055
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$12,844
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.96%
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.$353,479
NORTHPOINT MORTGAGE INC · recorded Jan 13, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,413 (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.$268,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$46,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$222,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$268,500

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.Raised Ranch
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.42
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Baseboard

Transaction History(5)

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(1)

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

E
Athol Community Elementary SchoolD-
Elementary · Grades PK–4 · 1.1 mi
H
Athol High SchoolD+
High · Grades 9–12 · 1.3 mi
M
Athol - Royalston Middle SchoolC
Middle · Grades 5–8 · 1.3 mi

District: Athol-Royalston School District

Neighborhood · ZIP 01331These 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.142
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.55

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.14%
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.1.2%
PopulationHow many people live in this area.13,781
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.234 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,680
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,102
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%

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

476 Cottage 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 81% of homes in Worcester County
  • Costs more per square foot than 96% of homes in Athol 01331
  • Smaller than 95% of homes in Worcester County
  • Newer than 82% of homes in Athol 01331

What homes are worth in Athol 01331

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

This home
$188K$632K

This home is worth more than 65% of homes in Athol 01331.

How it measures up in Athol 01331

The dot is this home. The mark in the middle is the typical home in Athol 01331.

Estimated value$369,534
CheaperTypical $335,363Pricier

Pricier than 65% of homes nearby

Price per ft²$403
CheaperTypical $242Pricier

Pricier than 96% of homes nearby

Living area918 ft²
SmallerTypical 1,430 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.42 ac
SmallerTypical 0.52 acBigger

Bigger than 43% of homes nearby

Year built1990
OlderTypical 1950Newer

Newer than 82% of homes nearby

How 476 Cottage St ranks against every home in each area.
MeasureThis homeAthol 01331Worcester County
Estimated valuepricier than$369,53465% of homes19% of homes
Price per ft²pricier than$40396% of homes88% of homes
Living areabigger than918 ft²9% of homes5% of homes
Lot sizebigger than0.42 ac43% of homes44% of homes
Year builtnewer than199082% of homes73% of homes

About 476 Cottage St

How much is 476 Cottage St, Athol, MA worth?

The TopHap Estimate for 476 Cottage St, Athol, MA is $369,534 as of Jul 14, 2026. The likely range is $360,457 to $378,611. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 476 Cottage St, Athol, MA last sell?

476 Cottage St, Athol, MA last sold on Jan 13, 2026 for $360,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 476 Cottage St, Athol, MA?

476 Cottage St, Athol, MA has 3 bedrooms, 1 bathrooms, 918 square feet of living space and a 0.42-acre lot.

When was 476 Cottage St, Athol, MA built?

476 Cottage St, Athol, MA was built in 1990, making it 36 years old. It is a raised ranch home. The building has 1 story.

What schools serve 476 Cottage St, Athol, MA?

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

How does 476 Cottage St, Athol, MA compare to other homes in Athol 01331?

Among the 4,903 homes in Athol 01331, it is worth more than 65% of them ($369,534 against a typical $335,363), its price per square foot is higher than 96% of them ($403 against a typical $242), it is bigger than 9% of them (918 ft² against a typical 1,430 ft²), its lot is bigger than 43% of them (0.42 ac against a typical 0.52 ac) and it is newer than 82% of them (1990 against a typical 1950). Measured against all of Worcester County, it is worth more than 19% 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 476 Cottage St, Athol, MA?

The 2025 property tax bill for 476 Cottage St, Athol, MA was $3,413. The county assessed it at $268,500.

Closest homes

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Assigned schools

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