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Single Family ResidenceResidential
$415,838$260 / 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

86 CENTRAL TREE RD

RUTLAND, MA 01543
3
Beds
1.5
Baths
1,600 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.
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1949
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$416K
$393K low$439K 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.$290,838
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$232,670
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.29%
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.$60,000
SPENCER SAVINGS BANK SLA · R · recorded May 29, 2007
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
SPENCER SAVINGS BANK SLA
3rd 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.$30,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,148 (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.$361,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$86,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$274,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$504,925

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.0.80
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(7)

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.

M
Central Tree Middle SchoolB-
Middle · Grades 6–8 · 1.8 mi
E
Naquag Elementary School
Elementary · Grades KG–2 · 1.9 mi
H
Wachusett Regional High SchoolB+
High · Grades 9–12 · 2.8 mi

District: Wachusett School District

Neighborhood · ZIP 01543These 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.58
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

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.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.9,140
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.256 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$139,117
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$152,427
Average tempThe average temperature here across a full year.46°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.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

86 Central Tree 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 less than 77% of homes in Rutland 01543
  • Costs less per square foot than 77% of homes in Rutland 01543
  • Older than 86% of homes in Rutland 01543

What homes are worth in Rutland 01543

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

This home
$161K$851K

This home is worth more than 23% of homes in Rutland 01543.

How it measures up in Rutland 01543

The dot is this home. The mark in the middle is the typical home in Rutland 01543.

Estimated value$415,838
CheaperTypical $529,461Pricier

Pricier than 23% of homes nearby

Price per ft²$260
CheaperTypical $288Pricier

Pricier than 23% of homes nearby

Living area1,600 ft²
SmallerTypical 1,768 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.8 ac
SmallerTypical 1.15 acBigger

Bigger than 42% of homes nearby

Year built1949
OlderTypical 1992Newer

Newer than 14% of homes nearby

How 86 Central Tree Rd ranks against every home in each area.
MeasureThis homeRutland 01543Worcester County
Estimated valuepricier than$415,83823% of homes32% of homes
Price per ft²pricier than$26023% of homes24% of homes
Living areabigger than1,600 ft²42% of homes45% of homes
Lot sizebigger than0.8 ac42% of homes63% of homes
Year builtnewer than194914% of homes31% of homes

About 86 Central Tree Rd

How much is 86 Central Tree Rd, Rutland, MA worth?

The TopHap Estimate for 86 Central Tree Rd, Rutland, MA is $415,838 as of Jul 14, 2026. The likely range is $393,046 to $438,630. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 86 Central Tree Rd, Rutland, MA last sell?

86 Central Tree Rd, Rutland, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 86 Central Tree Rd, Rutland, MA?

86 Central Tree Rd, Rutland, MA has 3 bedrooms, 1.5 bathrooms, 1,600 square feet of living space and a 0.80-acre lot.

When was 86 Central Tree Rd, Rutland, MA built?

86 Central Tree Rd, Rutland, MA was built in 1949, making it 77 years old. It is a cape cod home. The building has 2 stories.

What schools serve 86 Central Tree Rd, Rutland, MA?

86 Central Tree Rd, Rutland, MA is assigned to Central Tree Middle School (middle), rated B-; Naquag Elementary School (elementary); Wachusett Regional High School (high), rated B+. All sit in Wachusett School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 86 Central Tree Rd, Rutland, MA compare to other homes in Rutland 01543?

Among the 3,355 homes in Rutland 01543, it is worth more than 23% of them ($415,838 against a typical $529,461), its price per square foot is higher than 23% of them ($260 against a typical $288), it is bigger than 42% of them (1,600 ft² against a typical 1,768 ft²), its lot is bigger than 42% of them (0.8 ac against a typical 1.15 ac) and it is newer than 14% of them (1949 against a typical 1992). Measured against all of Worcester County, it is worth more than 32% 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 86 Central Tree Rd, Rutland, MA?

The 2025 property tax bill for 86 Central Tree Rd, Rutland, MA was $5,148. The county assessed it at $361,500.

Closest homes

More homes in Rutland 01543

Assigned schools

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