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Single Family ResidenceResidential
$1,344,036$335 / 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 94How 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 $730,000 on Mar 30, 2018

198 RUGGLES ST

WESTBOROUGH, MA 01581
4
Beds
5.5
Baths
4,018 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.
1.02 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
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

$1.3M
$1.3M low$1.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$730,000 · Mar 30, 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.$456,559
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$365,247
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.62%
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.$805,000
AMERISAVE MORTGAGE CORP · R · recorded Mar 9, 2022
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.$82,477
FIGURE LENDING LCC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$18,481 (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.$1,134,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$361,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$772,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,313,660

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
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.1.02
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Pool

Transaction History(8)

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
Annie E. Fales Elementary SchoolA
Elementary · Grades KG–3 · 1.0 mi
H
Westborough High SchoolA
High · Grades 9–12 · 1.9 mi
M
Sarah W. Gibbons Middle SchoolA
Middle · Grades 7–8 · 2.3 mi

District: Westborough School District

Neighborhood · ZIP 01581These 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.65
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 100.59

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.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.21,880
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,023 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$137,510
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$171,995
Average tempThe average temperature here across a full year.48°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

198 Ruggles 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.

  • Among the most valuable homes in Worcester County
  • Costs less per square foot than 76% of homes in Westborough 01581
  • Bigger than 97% of homes in Worcester County
  • Has a bigger lot than 70% of homes in Worcester County
  • Newer than 79% of homes in Worcester County

What homes are worth in Westborough 01581

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

This home
$267K$1.5M

This home is worth more than 95% of homes in Westborough 01581.

How it measures up in Westborough 01581

The dot is this home. The mark in the middle is the typical home in Westborough 01581.

Estimated value$1,344,036
CheaperTypical $690,134Pricier

Pricier than 95% of homes nearby

Price per ft²$335
CheaperTypical $372Pricier

Pricier than 24% of homes nearby

Living area4,018 ft²
SmallerTypical 1,938 ft²Bigger

Bigger than 96% of homes nearby

Lot size1.02 ac
SmallerTypical 0.65 acBigger

Bigger than 64% of homes nearby

Year built1996
OlderTypical 1976Newer

Newer than 74% of homes nearby

How 198 Ruggles St ranks against every home in each area.
MeasureThis homeWestborough 01581Worcester County
Estimated valuepricier than$1,344,03695% of homesalmost all homes
Price per ft²pricier than$33524% of homes64% of homes
Living areabigger than4,018 ft²96% of homes97% of homes
Lot sizebigger than1.02 ac64% of homes70% of homes
Year builtnewer than199674% of homes79% of homes

About 198 Ruggles St

How much is 198 Ruggles St, Westborough, MA worth?

The TopHap Estimate for 198 Ruggles St, Westborough, MA is $1,344,036 as of Jul 14, 2026. The likely range is $1,261,517 to $1,426,555. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 198 Ruggles St, Westborough, MA last sell?

198 Ruggles St, Westborough, MA last sold on Mar 30, 2018 for $730,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 198 Ruggles St, Westborough, MA?

198 Ruggles St, Westborough, MA has 4 bedrooms, 5.5 bathrooms, 4,018 square feet of living space and a 1.02-acre lot.

When was 198 Ruggles St, Westborough, MA built?

198 Ruggles St, Westborough, MA was built in 1996, making it 30 years old. It is a colonial home. The building has 2 stories.

What schools serve 198 Ruggles St, Westborough, MA?

198 Ruggles St, Westborough, MA is assigned to Annie E. Fales Elementary School (elementary), rated A; Westborough High School (high), rated A; Sarah W. Gibbons Middle School (middle), rated A. All sit in Westborough School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 198 Ruggles St, Westborough, MA compare to other homes in Westborough 01581?

Among the 5,697 homes in Westborough 01581, it is worth more than 95% of them ($1,344,036 against a typical $690,134), its price per square foot is higher than 24% of them ($335 against a typical $372), it is bigger than 96% of them (4,018 ft² against a typical 1,938 ft²), its lot is bigger than 64% of them (1.02 ac against a typical 0.65 ac) and it is newer than 74% of them (1996 against a typical 1976). Measured against all of Worcester County, it is worth more than almost all 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 198 Ruggles St, Westborough, MA?

The 2025 property tax bill for 198 Ruggles St, Westborough, MA was $18,481. The county assessed it at $1,134,500.

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Assigned schools

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