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Single Family ResidenceResidential
$247,885$159 / 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 90How 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 $120,000 on Apr 20, 2018

657 RIVER AVE

GARDINER, ME 04345
4
Beds
1
Baths
1,563 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1880
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

$248K
$223K low$273K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,000 · Apr 20, 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.$151,885
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$121,508
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.39%
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.$96,000
KENNEBUNK SVGS BANK · recorded Apr 20, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,001 (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.$114,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$95,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,635

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.10 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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyKENNEBEC
Lot (acres)The size of the land the home sits on, from county records.0.30
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(1)

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
Laura E Richards School
Elementary · Grades PK–2 · 2.5 mi
M
Gardiner Regional Middle SchoolC+
Middle · Grades 6–8 · 3.1 mi
H
Gardiner Area High SchoolB-
High · Grades 9–12 · 3.3 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

657 River Ave 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 80% of homes in Gardiner 04345
  • Costs less per square foot than 84% of homes in Kennebec County
  • Has a smaller lot than 79% of homes in Gardiner 04345
  • Older than 93% 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
$137K$642K

This home is worth more than 20% 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$247,885
CheaperTypical $321,606Pricier

Pricier than 20% of homes nearby

Price per ft²$159
CheaperTypical $204Pricier

Pricier than 23% of homes nearby

Living area1,563 ft²
SmallerTypical 1,489 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.3 ac
SmallerTypical 1.1 acBigger

Bigger than 21% of homes nearby

Year built1880
OlderTypical 1949Newer

Newer than 26% of homes nearby

How 657 River Ave ranks against every home in each area.
MeasureThis homeGardiner 04345Kennebec County
Estimated valuepricier than$247,88520% of homes28% of homes
Price per ft²pricier than$15923% of homes16% of homes
Living areabigger than1,563 ft²54% of homes64% of homes
Lot sizebigger than0.3 ac21% of homes21% of homes
Year builtnewer than188026% of homes7% of homes

About 657 River Ave

How much is 657 River Ave, Gardiner, ME worth?

The TopHap Estimate for 657 River Ave, Gardiner, ME is $247,885 as of Jul 14, 2026. The likely range is $222,539 to $273,232. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 657 River Ave, Gardiner, ME last sell?

657 River Ave, Gardiner, ME last sold on Apr 20, 2018 for $120,000, according to the county's recorded deed.

How big is 657 River Ave, Gardiner, ME?

657 River Ave, Gardiner, ME has 4 bedrooms, 1 bathrooms, 1,563 square feet of living space and a 0.30-acre lot.

When was 657 River Ave, Gardiner, ME built?

657 River Ave, Gardiner, ME was built in 1880, making it 146 years old. It is a conventional home. The building has 2 stories.

What schools serve 657 River Ave, Gardiner, ME?

657 River Ave, Gardiner, ME is assigned to Laura E Richards School (elementary); Gardiner Regional Middle School (middle), rated C+; Gardiner Area High School (high), rated B-. All sit in School Administrative District 11. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 657 River Ave, Gardiner, ME compare to other homes in Gardiner 04345?

Among the 4,739 homes in Gardiner 04345, it is worth more than 20% of them ($247,885 against a typical $321,606), its price per square foot is higher than 23% of them ($159 against a typical $204), it is bigger than 54% of them (1,563 ft² against a typical 1,489 ft²), its lot is bigger than 21% of them (0.3 ac against a typical 1.1 ac) and it is newer than 26% of them (1880 against a typical 1949). Measured against all of Kennebec County, it is worth more than 28% 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 657 River Ave, Gardiner, ME?

The 2025 property tax bill for 657 River Ave, Gardiner, ME was $3,001. The county assessed it at $114,100.

Closest homes

More homes in Gardiner 04345

Assigned schools

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