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Single Family ResidenceResidential
$1,150,528$331 / 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 92How 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

78 HAVERHILL ST

NORTH READING, MA 01864
4
Beds
2
Baths
3,478 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.
7.76 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.2M
$1.1M low$1.2M high
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.$865,528
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$692,422
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.24%
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.$250,000
READING COOPERATIVE BANK · R · recorded Jul 16, 2024
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.$35,000
FLEET NATIONAL BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,384 (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.$1,024,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$444,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$580,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$982,800

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.30%
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.Cape Cod
CountyMiddlesex
Lot (acres)The size of the land the home sits on, from county records.7.76
ConstructionThe main material the home's frame and walls are built from.Concrete
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Pool

Transaction History(6)

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
L.D. Batchelder Elementary SchoolA-
Elementary · Grades KG–5 · 0.6 mi
H
North Reading High SchoolA
High · Grades 9–12 · 0.7 mi
M
North Reading Middle SchoolA-
Middle · Grades 6–8 · 0.7 mi

District: North Reading School District

Neighborhood · ZIP 01864These 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.38
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 100.87

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
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.15,861
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,181 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$140,298
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$192,654
Average tempThe average temperature here across a full year.49°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

78 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 more than 80% of homes in North Reading 01864
  • Costs less per square foot than 92% of homes in North Reading 01864
  • Bigger than 91% of homes in Middlesex County
  • Among the largest lots in North Reading 01864
  • Older than 71% of homes in North Reading 01864

What homes are worth in North Reading 01864

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

This home
$300K$1.8M

This home is worth more than 80% of homes in North Reading 01864.

How it measures up in North Reading 01864

The dot is this home. The mark in the middle is the typical home in North Reading 01864.

Estimated value$1,150,528
CheaperTypical $806,817Pricier

Pricier than 80% of homes nearby

Price per ft²$331
CheaperTypical $440Pricier

Pricier than 8% of homes nearby

Living area3,478 ft²
SmallerTypical 1,760 ft²Bigger

Bigger than 90% of homes nearby

Lot size7.76 ac
SmallerTypical 0.71 acBigger

Bigger than almost all homes nearby

Year built1957
OlderTypical 1974Newer

Newer than 29% of homes nearby

How 78 Haverhill St ranks against every home in each area.
MeasureThis homeNorth Reading 01864Middlesex County
Estimated valuepricier than$1,150,52880% of homes78% of homes
Price per ft²pricier than$3318% of homes14% of homes
Living areabigger than3,478 ft²90% of homes91% of homes
Lot sizebigger than7.76 acalmost all homes96% of homes
Year builtnewer than195729% of homes49% of homes

About 78 Haverhill St

How much is 78 Haverhill St, North Reading, MA worth?

The TopHap Estimate for 78 Haverhill St, North Reading, MA is $1,150,528 as of Jul 14, 2026. The likely range is $1,058,376 to $1,242,680. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 78 Haverhill St, North Reading, MA last sell?

78 Haverhill St, North Reading, MA last sold on Apr 30, 2003, according to the county's recorded deed.

How big is 78 Haverhill St, North Reading, MA?

78 Haverhill St, North Reading, MA has 4 bedrooms, 2 bathrooms, 3,478 square feet of living space and a 7.76-acre lot.

When was 78 Haverhill St, North Reading, MA built?

78 Haverhill St, North Reading, MA was built in 1957, making it 69 years old. It is a cape cod home. The building has 2 stories.

What schools serve 78 Haverhill St, North Reading, MA?

78 Haverhill St, North Reading, MA is assigned to L.D. Batchelder Elementary School (elementary), rated A-; North Reading High School (high), rated A; North Reading Middle School (middle), rated A-. All sit in North Reading School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 78 Haverhill St, North Reading, MA compare to other homes in North Reading 01864?

Among the 5,464 homes in North Reading 01864, it is worth more than 80% of them ($1,150,528 against a typical $806,817), its price per square foot is higher than 8% of them ($331 against a typical $440), it is bigger than 90% of them (3,478 ft² against a typical 1,760 ft²), its lot is bigger than almost all of them (7.76 ac against a typical 0.71 ac) and it is newer than 29% of them (1957 against a typical 1974). Measured against all of Middlesex County, it is worth more than 78% 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 78 Haverhill St, North Reading, MA?

The 2025 property tax bill for 78 Haverhill St, North Reading, MA was $13,384. The county assessed it at $1,024,800.

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Assigned schools

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