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Single Family ResidenceResidential
$813,591$371 / 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 $475,000 on Sep 11, 2015

109 PROSPECT ST

ASHLAND, MA 01721
4
Beds
3.5
Baths
2,195 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.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$814K
$775K low$852K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$475,000 · Sep 11, 2015
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.$110,591
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$88,473
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.84%
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.$300,000
POLI MORTGAGE GROUP · recorded Dec 26, 2006
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.$403,000
DRAPER AND KRAMER MORTGAGE CORP.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,687 (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.$758,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$256,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$502,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$764,560

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.Colonial
CountyMIDDLESEX
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1995
Lot (acres)The size of the land the home sits on, from county records.0.69
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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.No

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
Henry E Warren Elementary School
Elementary · Grades KG–2 · 0.3 mi
M
Ashland Middle SchoolA
Middle · Grades 6–8 · 1.4 mi
H
Ashland High SchoolA
High · Grades 9–12 · 1.4 mi

District: Ashland School District

Neighborhood · ZIP 01721These 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.47
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.63

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.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.1%
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.18,969
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,481 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$135,702
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$157,800
Average tempThe average temperature here across a full year.49°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.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

109 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 more than 70% of homes in Ashland 01721
  • Costs less per square foot than 76% of homes in Middlesex County
  • Bigger than 73% of homes in Ashland 01721
  • Has a bigger lot than 71% of homes in Middlesex County
  • Newer than 76% of homes in Middlesex County

What homes are worth in Ashland 01721

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

This home
$433K$1.3M

This home is worth more than 70% of homes in Ashland 01721.

How it measures up in Ashland 01721

The dot is this home. The mark in the middle is the typical home in Ashland 01721.

Estimated value$813,591
CheaperTypical $682,050Pricier

Pricier than 70% of homes nearby

Price per ft²$371
CheaperTypical $389Pricier

Pricier than 34% of homes nearby

Living area2,195 ft²
SmallerTypical 1,798 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.69 ac
SmallerTypical 0.73 acBigger

Bigger than 35% of homes nearby

Year built1985
OlderTypical 1984Newer

Newer than 55% of homes nearby

How 109 Prospect St ranks against every home in each area.
MeasureThis homeAshland 01721Middlesex County
Estimated valuepricier than$813,59170% of homes53% of homes
Price per ft²pricier than$37134% of homes24% of homes
Living areabigger than2,195 ft²73% of homes64% of homes
Lot sizebigger than0.69 ac35% of homes71% of homes
Year builtnewer than198555% of homes76% of homes

About 109 Prospect St

How much is 109 Prospect St, Ashland, MA worth?

The TopHap Estimate for 109 Prospect St, Ashland, MA is $813,591 as of Jul 14, 2026. The likely range is $775,368 to $851,814. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Prospect St, Ashland, MA last sell?

109 Prospect St, Ashland, MA last sold on Sep 11, 2015 for $475,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Prospect St, Ashland, MA?

109 Prospect St, Ashland, MA has 4 bedrooms, 3.5 bathrooms, 2,195 square feet of living space and a 0.69-acre lot.

When was 109 Prospect St, Ashland, MA built?

109 Prospect St, Ashland, MA was built in 1985, making it 41 years old. It is a colonial home. The building has 2 stories.

What schools serve 109 Prospect St, Ashland, MA?

109 Prospect St, Ashland, MA is assigned to Henry E Warren Elementary School (elementary); Ashland Middle School (middle), rated A; Ashland High School (high), rated A. All sit in Ashland School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Prospect St, Ashland, MA compare to other homes in Ashland 01721?

Among the 6,092 homes in Ashland 01721, it is worth more than 70% of them ($813,591 against a typical $682,050), its price per square foot is higher than 34% of them ($371 against a typical $389), it is bigger than 73% of them (2,195 ft² against a typical 1,798 ft²), its lot is bigger than 35% of them (0.69 ac against a typical 0.73 ac) and it is newer than 55% of them (1985 against a typical 1984). Measured against all of Middlesex 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 109 Prospect St, Ashland, MA?

The 2025 property tax bill for 109 Prospect St, Ashland, MA was $9,687. The county assessed it at $758,600.

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