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Single Family ResidenceResidential
$1,986,433
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 95How 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 $787,500 on Jan 24, 2018

645 STATE RD

VINEYARD HAVEN, MA 02568
0
Baths
0.79 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$2M
$1.9M low$2.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$787,500 · Jan 24, 2018
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.$1,586,433
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,269,146
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.20%
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.$400,000
CAPE COD FIVE CENTS SAVINGS BANK · 3.25% · recorded Jan 24, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,193 (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.$1,367,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$600,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$766,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,367,000

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.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.minimal

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
CountyDukes
Lot (acres)The size of the land the home sits on, from county records.0.79
HeatingThe type of heating system in the home.None

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
West Tisbury Elementary SchoolB
Elementary · Grades PK–8 · 0.7 mi
H
Martha's Vineyard Regional High SchoolB-
High · Grades 9–12 · 4.1 mi

District: Up-Island Regional School District

Neighborhood · ZIP 02568These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.47

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.64%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.11,909
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.287 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$97,175
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,660
Average tempThe average temperature here across a full year.50°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.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.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

645 State Rd 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 75% of homes in Vineyard Haven 02568

What homes are worth in Vineyard Haven 02568

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

This home
$658K$5.5M

This home is worth more than 75% of homes in Vineyard Haven 02568.

How it measures up in Vineyard Haven 02568

The dot is this home. The mark in the middle is the typical home in Vineyard Haven 02568.

Estimated value$1,986,433
CheaperTypical $1,428,727Pricier

Pricier than 75% of homes nearby

Lot size0.79 ac
SmallerTypical 0.92 acBigger

Bigger than 46% of homes nearby

How 645 State Rd ranks against every home in each area.
MeasureThis homeVineyard Haven 02568Dukes County
Estimated valuepricier than$1,986,43375% of homes68% of homes
Lot sizebigger than0.79 ac46% of homes57% of homes

About 645 State Rd

How much is 645 State Rd, Vineyard Haven, MA worth?

The TopHap Estimate for 645 State Rd, Vineyard Haven, MA is $1,986,433 as of Jul 14, 2026. The likely range is $1,880,530 to $2,092,336. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 State Rd, Vineyard Haven, MA last sell?

645 State Rd, Vineyard Haven, MA last sold on Jan 24, 2018 for $787,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve 645 State Rd, Vineyard Haven, MA?

645 State Rd, Vineyard Haven, MA is assigned to West Tisbury Elementary School (elementary), rated B; Martha's Vineyard Regional High School (high), rated B-. All sit in Up-Island Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 State Rd, Vineyard Haven, MA compare to other homes in Vineyard Haven 02568?

Among the 4,835 homes in Vineyard Haven 02568, it is worth more than 75% of them ($1,986,433 against a typical $1,428,727) and its lot is bigger than 46% of them (0.79 ac against a typical 0.92 ac). Measured against all of Dukes County, it is worth more than 68% 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 645 State Rd, Vineyard Haven, MA?

The 2025 property tax bill for 645 State Rd, Vineyard Haven, MA was $6,193. The county assessed it at $1,367,000.

Closest homes

More homes in Vineyard Haven 02568

Assigned schools

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See this home in context

Open 645 State Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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