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Single Family ResidenceResidential
$214,425$147 / 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 81How 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
Last sold for $95,000 on May 19, 2010

520 WATER ST

GARDINER, ME 04345
4
Beds
2.5
Baths
1,456 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1870
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

$214K
$174K low$255K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$95,000 · May 19, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,383 (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.$90,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$192,090

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.Cape Cod
CountyKENNEBEC
Lot (acres)The size of the land the home sits on, from county records.0.11
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.

Foreclosure Filings(3)

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

H
Gardiner Area High SchoolB-
High · Grades 9–12 · 0.4 mi
E
Laura E Richards School
Elementary · Grades PK–2 · 0.4 mi
M
Gardiner Regional Middle SchoolC+
Middle · Grades 6–8 · 1.1 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%

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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

520 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 93% of homes in Gardiner 04345
  • Costs less per square foot than 92% of homes in Kennebec County
  • Has a smaller lot than 98% of homes in Gardiner 04345
  • Older than 95% 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
$165K$759K

This home is worth more than 7% 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$214,425
CheaperTypical $330,951Pricier

Pricier than 7% of homes nearby

Price per ft²$147
CheaperTypical $224Pricier

Pricier than 12% of homes nearby

Living area1,456 ft²
SmallerTypical 1,490 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.11 ac
SmallerTypical 1.1 acBigger

Bigger than 2% of homes nearby

Year built1870
OlderTypical 1949Newer

Newer than 19% of homes nearby

How 520 Water St ranks against every home in each area.
MeasureThis homeGardiner 04345Kennebec County
Estimated valuepricier than$214,4257% of homes14% of homes
Price per ft²pricier than$14712% of homes8% of homes
Living areabigger than1,456 ft²48% of homes59% of homes
Lot sizebigger than0.11 ac2% of homes4% of homes
Year builtnewer than187019% of homes5% of homes

About 520 Water St

How much is 520 Water St, Gardiner, ME worth?

The TopHap Estimate for 520 Water St, Gardiner, ME is $214,425 as of Sep 24, 2026. The likely range is $173,645 to $255,205. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 Water St, Gardiner, ME last sell?

520 Water St, Gardiner, ME last sold on May 19, 2010 for $95,000, according to the county's recorded deed.

How big is 520 Water St, Gardiner, ME?

520 Water St, Gardiner, ME has 4 bedrooms, 2.5 bathrooms, 1,456 square feet of living space and a 0.11-acre lot.

When was 520 Water St, Gardiner, ME built?

520 Water St, Gardiner, ME was built in 1870, making it 156 years old. It is a cape cod home. The building has 2 stories.

What schools serve 520 Water St, Gardiner, ME?

520 Water St, Gardiner, ME is assigned to Gardiner Area High School (high), rated B-; Laura E Richards School (elementary); 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 520 Water St, Gardiner, ME compare to other homes in Gardiner 04345?

Among the 4,737 homes in Gardiner 04345, it is worth more than 7% of them ($214,425 against a typical $330,951), its price per square foot is higher than 12% of them ($147 against a typical $224), it is bigger than 48% of them (1,456 ft² against a typical 1,490 ft²), its lot is bigger than 2% of them (0.11 ac against a typical 1.1 ac) and it is newer than 19% of them (1870 against a typical 1949). Measured against all of Kennebec County, it is worth more than 14% 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 520 Water St, Gardiner, ME?

The 2025 property tax bill for 520 Water St, Gardiner, ME was $2,383. The county assessed it at $90,600.

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Assigned schools

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