Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$340,973$266 / 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 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 $157,500 on Mar 12, 2018

85 PROSPECT ST

GARDNER, MA 01440
2
Beds
2
Baths
1,282 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
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

$341K
$324K low$358K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$157,500 · Mar 12, 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.$214,973
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$171,978
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.41%
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.$126,000
BERKSHIRE BANK · recorded Mar 12, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,790 (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.$263,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$72,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$191,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$263,900

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
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.37
RoofThe main material covering the roof, such as asphalt shingle or tile.Asbestos
HeatingThe type of heating system in the home.Steam

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.

H
Gardner High SchoolC-
High · Grades 8–12 · 2.1 mi
E
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 2.2 mi
M
Gardner Middle SchoolD-
Middle · Grades 5–7 · 2.3 mi

District: Gardner School District

Neighborhood · ZIP 01440These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.21,657
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.854 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,433
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,787
Average tempThe average temperature here across a full year.45°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.50%

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

85 Prospect 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 87% of homes in Worcester County
  • Costs less per square foot than 74% of homes in Worcester County
  • Smaller than 73% of homes in Worcester County
  • Older than 76% of homes in Worcester County

What homes are worth in Gardner 01440

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

This home
$160K$637K

This home is worth more than 31% of homes in Gardner 01440.

How it measures up in Gardner 01440

The dot is this home. The mark in the middle is the typical home in Gardner 01440.

Estimated value$340,973
CheaperTypical $375,798Pricier

Pricier than 31% of homes nearby

Price per ft²$266
CheaperTypical $271Pricier

Pricier than 46% of homes nearby

Living area1,282 ft²
SmallerTypical 1,489 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.37 ac
SmallerTypical 0.29 acBigger

Bigger than 62% of homes nearby

Year built1930
OlderTypical 1949Newer

Newer than 43% of homes nearby

How 85 Prospect St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Estimated valuepricier than$340,97331% of homes13% of homes
Price per ft²pricier than$26646% of homes26% of homes
Living areabigger than1,282 ft²37% of homes27% of homes
Lot sizebigger than0.37 ac62% of homes41% of homes
Year builtnewer than193043% of homes24% of homes

About 85 Prospect St

How much is 85 Prospect St, Gardner, MA worth?

The TopHap Estimate for 85 Prospect St, Gardner, MA is $340,973 as of Jul 14, 2026. The likely range is $323,601 to $358,345. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 85 Prospect St, Gardner, MA last sell?

85 Prospect St, Gardner, MA last sold on Mar 12, 2018 for $157,500, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 85 Prospect St, Gardner, MA?

85 Prospect St, Gardner, MA has 2 bedrooms, 2 bathrooms, 1,282 square feet of living space and a 0.37-acre lot.

When was 85 Prospect St, Gardner, MA built?

85 Prospect St, Gardner, MA was built in 1930, making it 96 years old. It is a cape cod home. The building has 1 story.

What schools serve 85 Prospect St, Gardner, MA?

85 Prospect St, Gardner, MA is assigned to Gardner High School (high), rated C-; Gardner Elementary School (elementary), rated D-; Gardner Middle School (middle), rated D-. All sit in Gardner School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 85 Prospect St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,706 homes in Gardner 01440, it is worth more than 31% of them ($340,973 against a typical $375,798), its price per square foot is higher than 46% of them ($266 against a typical $271), it is bigger than 37% of them (1,282 ft² against a typical 1,489 ft²), its lot is bigger than 62% of them (0.37 ac against a typical 0.29 ac) and it is newer than 43% of them (1930 against a typical 1949). Measured against all of Worcester County, it is worth more than 13% 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 85 Prospect St, Gardner, MA?

The 2025 property tax bill for 85 Prospect St, Gardner, MA was $3,790. The county assessed it at $263,900.

Closest homes

More homes in Gardner 01440

Assigned schools

Explore the area

See this home in context

Open 85 Prospect St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map