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Single Family ResidenceResidential
$318,960$227 / 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 86How 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

978 RIVER AVE

GARDINER, ME 04345
3
Beds
2
Baths
1,404 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.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$319K
$274K low$364K 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.$245,960
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$196,768
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.$73,000
GARDINER FCU · recorded Jun 30, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,863 (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.$146,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$122,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$358,435

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.174 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.Split Level
CountyKENNEBEC
Lot (acres)The size of the land the home sits on, from county records.2.00
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

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 · 3.6 mi
M
Gardiner Regional Middle SchoolC+
Middle · Grades 6–8 · 3.8 mi
H
Gardiner Area High SchoolB-
High · Grades 9–12 · 4.3 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

978 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.

  • Has a bigger lot than 65% of homes in Gardiner 04345
  • Newer than 77% of homes in Gardiner 04345

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
$147K$666K

This home is worth more than 49% 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$318,960
CheaperTypical $321,650Pricier

Pricier than 49% of homes nearby

Price per ft²$227
CheaperTypical $206Pricier

Pricier than 59% of homes nearby

Living area1,404 ft²
SmallerTypical 1,486 ft²Bigger

Bigger than 45% of homes nearby

Lot size2 ac
SmallerTypical 1.1 acBigger

Bigger than 65% of homes nearby

Year built1987
OlderTypical 1950Newer

Newer than 77% of homes nearby

How 978 River Ave ranks against every home in each area.
MeasureThis homeGardiner 04345Kennebec County
Estimated valuepricier than$318,96049% of homes53% of homes
Price per ft²pricier than$22759% of homes47% of homes
Living areabigger than1,404 ft²45% of homes55% of homes
Lot sizebigger than2 ac65% of homes65% of homes
Year builtnewer than198777% of homes71% of homes

About 978 River Ave

How much is 978 River Ave, Gardiner, ME worth?

The TopHap Estimate for 978 River Ave, Gardiner, ME is $318,960 as of Jul 14, 2026. The likely range is $273,788 to $364,132. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 978 River Ave, Gardiner, ME last sell?

978 River Ave, Gardiner, ME last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 978 River Ave, Gardiner, ME?

978 River Ave, Gardiner, ME has 3 bedrooms, 2 bathrooms, 1,404 square feet of living space and a 2.00-acre lot.

When was 978 River Ave, Gardiner, ME built?

978 River Ave, Gardiner, ME was built in 1987, making it 39 years old. It is a split level home. The building has 1 story.

What schools serve 978 River Ave, Gardiner, ME?

978 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 978 River Ave, Gardiner, ME compare to other homes in Gardiner 04345?

Among the 4,739 homes in Gardiner 04345, it is worth more than 49% of them ($318,960 against a typical $321,650), its price per square foot is higher than 59% of them ($227 against a typical $206), it is bigger than 45% of them (1,404 ft² against a typical 1,486 ft²), its lot is bigger than 65% of them (2 ac against a typical 1.1 ac) and it is newer than 77% of them (1987 against a typical 1950). Measured against all of Kennebec County, it is worth more than 53% 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 978 River Ave, Gardiner, ME?

The 2025 property tax bill for 978 River Ave, Gardiner, ME was $3,863. The county assessed it at $146,900.

Closest homes

More homes in Gardiner 04345

Assigned schools

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