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Single Family ResidenceResidential
$671,809$651 / 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 94How 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 $154,500 on Jul 27, 1995

637 HAVERHILL ST

READING, MA 01867
3
Beds
1
Baths
1,032 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.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
1963
Year BuiltThe year the home was originally built, according to county records.
1
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

$672K
$628K low$715K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$154,500 · Jul 27, 1995
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.$308,809
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$247,047
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.58%
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.$300,000
READING COOPERATIVE BANK · R · recorded May 16, 2022
2nd 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.$63,000
GARY NEEDHAM

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,770 (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.$682,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$511,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$170,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$638,305

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.37 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.1 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.Ranch
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.2.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

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

E
Wood End Elementary SchoolA+
Elementary · Grades KG–5 · 1.0 mi
M
Arthur W. Coolidge Middle SchoolA-
Middle · Grades 6–8 · 1.3 mi
H
Reading Memorial High SchoolA-
High · Grades 9–12 · 1.5 mi

District: Reading School District

Neighborhood · ZIP 01867These 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.29
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.5%
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.25,631
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,546 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$145,651
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$169,912
Average tempThe average temperature here across a full year.49°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.58%

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.Yes

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

637 Haverhill 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 85% of homes in Reading 01867
  • Costs more per square foot than 97% of homes in Reading 01867
  • Smaller than 94% of homes in Reading 01867
  • Has a bigger lot than 89% of homes in Middlesex County

What homes are worth in Reading 01867

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

This home
$397K$1.6M

This home is worth more than 15% of homes in Reading 01867.

How it measures up in Reading 01867

The dot is this home. The mark in the middle is the typical home in Reading 01867.

Estimated value$671,809
CheaperTypical $870,260Pricier

Pricier than 15% of homes nearby

Price per ft²$651
CheaperTypical $463Pricier

Pricier than 97% of homes nearby

Living area1,032 ft²
SmallerTypical 1,949 ft²Bigger

Bigger than 6% of homes nearby

Lot size2 ac
SmallerTypical 0.35 acBigger

Bigger than 86% of homes nearby

Year built1963
OlderTypical 1959Newer

Newer than 55% of homes nearby

How 637 Haverhill St ranks against every home in each area.
MeasureThis homeReading 01867Middlesex County
Estimated valuepricier than$671,80915% of homes35% of homes
Price per ft²pricier than$65197% of homes82% of homes
Living areabigger than1,032 ft²6% of homes12% of homes
Lot sizebigger than2 ac86% of homes89% of homes
Year builtnewer than196355% of homes56% of homes

About 637 Haverhill St

How much is 637 Haverhill St, Reading, MA worth?

The TopHap Estimate for 637 Haverhill St, Reading, MA is $671,809 as of Jul 14, 2026. The likely range is $628,241 to $715,377. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 637 Haverhill St, Reading, MA last sell?

637 Haverhill St, Reading, MA last sold on Jul 27, 1995 for $154,500, according to the county's recorded deed.

How big is 637 Haverhill St, Reading, MA?

637 Haverhill St, Reading, MA has 3 bedrooms, 1 bathrooms, 1,032 square feet of living space and a 2.00-acre lot.

When was 637 Haverhill St, Reading, MA built?

637 Haverhill St, Reading, MA was built in 1963, making it 63 years old. It is a ranch home. The building has 1 story.

What schools serve 637 Haverhill St, Reading, MA?

637 Haverhill St, Reading, MA is assigned to Wood End Elementary School (elementary), rated A+; Arthur W. Coolidge Middle School (middle), rated A-; Reading Memorial High School (high), rated A-. All sit in Reading School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 637 Haverhill St, Reading, MA compare to other homes in Reading 01867?

Among the 8,629 homes in Reading 01867, it is worth more than 15% of them ($671,809 against a typical $870,260), its price per square foot is higher than 97% of them ($651 against a typical $463), it is bigger than 6% of them (1,032 ft² against a typical 1,949 ft²), its lot is bigger than 86% of them (2 ac against a typical 0.35 ac) and it is newer than 55% of them (1963 against a typical 1959). Measured against all of Middlesex County, it is worth more than 35% 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 637 Haverhill St, Reading, MA?

The 2025 property tax bill for 637 Haverhill St, Reading, MA was $7,770. The county assessed it at $682,200.

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Assigned schools

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