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Single Family ResidenceResidential
$454,530$430 / 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 $450,000 on Apr 3, 2026

20 FERNWOOD DR

RUTLAND, MA 01543
3
Beds
1
Baths
1,056 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
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

$455K
$432K low$477K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$450,000 · Apr 3, 2026
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.$94,530
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$75,624
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.79%
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.$360,000
GUILD MORTGAGE CO · recorded Apr 3, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,280 (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.$370,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$96,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$274,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$420,090

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.Ranch
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.31
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(4)

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 · 1.1 mi
E
Naquag Elementary School
Elementary · Grades KG–2 · 1.3 mi
H
Wachusett Regional High SchoolB+
High · Grades 9–12 · 3.2 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

20 Fernwood Dr 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 66% of homes in Rutland 01543
  • Costs more per square foot than 96% of homes in Rutland 01543
  • Smaller than 87% of homes in Worcester County
  • Has a smaller lot than 86% of homes in Rutland 01543
  • Newer than 73% of homes in Worcester County

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
$157K$851K

This home is worth more than 34% 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$454,530
CheaperTypical $527,913Pricier

Pricier than 34% of homes nearby

Price per ft²$430
CheaperTypical $287Pricier

Pricier than 96% of homes nearby

Living area1,056 ft²
SmallerTypical 1,768 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.31 ac
SmallerTypical 1.11 acBigger

Bigger than 14% of homes nearby

Year built1990
OlderTypical 1993Newer

Newer than 47% of homes nearby

How 20 Fernwood Dr ranks against every home in each area.
MeasureThis homeRutland 01543Worcester County
Estimated valuepricier than$454,53034% of homes43% of homes
Price per ft²pricier than$43096% of homes93% of homes
Living areabigger than1,056 ft²16% of homes13% of homes
Lot sizebigger than0.31 ac14% of homes35% of homes
Year builtnewer than199047% of homes73% of homes

About 20 Fernwood Dr

How much is 20 Fernwood Dr, Rutland, MA worth?

The TopHap Estimate for 20 Fernwood Dr, Rutland, MA is $454,530 as of Jul 14, 2026. The likely range is $432,270 to $476,790. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Fernwood Dr, Rutland, MA last sell?

20 Fernwood Dr, Rutland, MA last sold on Apr 3, 2026 for $450,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20 Fernwood Dr, Rutland, MA?

20 Fernwood Dr, Rutland, MA has 3 bedrooms, 1 bathrooms, 1,056 square feet of living space and a 0.31-acre lot.

When was 20 Fernwood Dr, Rutland, MA built?

20 Fernwood Dr, Rutland, MA was built in 1990, making it 36 years old. It is a ranch home. The building has 1 story.

What schools serve 20 Fernwood Dr, Rutland, MA?

20 Fernwood Dr, 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 20 Fernwood Dr, Rutland, MA compare to other homes in Rutland 01543?

Among the 3,355 homes in Rutland 01543, it is worth more than 34% of them ($454,530 against a typical $527,913), its price per square foot is higher than 96% of them ($430 against a typical $287), it is bigger than 16% of them (1,056 ft² against a typical 1,768 ft²), its lot is bigger than 14% of them (0.31 ac against a typical 1.11 ac) and it is newer than 47% of them (1990 against a typical 1993). Measured against all of Worcester County, it is worth more than 43% 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 20 Fernwood Dr, Rutland, MA?

The 2025 property tax bill for 20 Fernwood Dr, Rutland, MA was $5,280. The county assessed it at $370,800.

More homes on Fernwood Dr

Closest homes

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Assigned schools

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See this home in context

Open 20 Fernwood Dron TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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