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Single Family ResidenceResidential
$779,513$446 / 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 90How 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 $725,000 on Aug 29, 2024

21 RIVER RD

HAVERHILL, MA 01830
3
Beds
1.5
Baths
1,746 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.
0.85 ac
Lot SizeThe size of the land the home sits on, from county records.
1740
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

$780K
$704K low$855K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$725,000 · Aug 29, 2024
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.$417,013
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$333,610
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.47%
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.$362,500
CITIZENS BANK · P · recorded Aug 29, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,928 (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.$646,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$289,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$357,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$672,315

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.179 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.1 percent flood zone

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.Historical
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.85
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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
Golden Hill Elementary SchoolB
Elementary · Grades 1–4 · 3.8 mi
M
Dr. Paul Nettle Middle SchoolC-
Middle · Grades 5–8 · 3.9 mi
H
Haverhill High SchoolC
High · Grades 9–12 · 5.6 mi

District: Haverhill School District

Neighborhood · ZIP 01830These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.93

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.28,516
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,930 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,547
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,837
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

21 River 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 more than 93% of homes in Haverhill 01830
  • Costs more per square foot than 96% of homes in Haverhill 01830
  • Has a bigger lot than 87% of homes in Haverhill 01830
  • Among the oldest homes in Haverhill 01830

What homes are worth in Haverhill 01830

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

This home
$235K$942K

This home is worth more than 93% of homes in Haverhill 01830.

How it measures up in Haverhill 01830

The dot is this home. The mark in the middle is the typical home in Haverhill 01830.

Estimated value$779,513
CheaperTypical $534,845Pricier

Pricier than 93% of homes nearby

Price per ft²$446
CheaperTypical $316Pricier

Pricier than 96% of homes nearby

Living area1,746 ft²
SmallerTypical 1,836 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.85 ac
SmallerTypical 0.26 acBigger

Bigger than 87% of homes nearby

Year built1740
OlderTypical 1945Newer

Older than almost all homes nearby

How 21 River Rd ranks against every home in each area.
MeasureThis homeHaverhill 01830Essex County
Estimated valuepricier than$779,51393% of homes61% of homes
Price per ft²pricier than$44696% of homes64% of homes
Living areabigger than1,746 ft²46% of homes46% of homes
Lot sizebigger than0.85 ac87% of homes80% of homes
Year builtnewer than1740almost no homesalmost no homes

About 21 River Rd

How much is 21 River Rd, Haverhill, MA worth?

The TopHap Estimate for 21 River Rd, Haverhill, MA is $779,513 as of Jul 14, 2026. The likely range is $703,716 to $855,310. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 River Rd, Haverhill, MA last sell?

21 River Rd, Haverhill, MA last sold on Aug 29, 2024 for $725,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 21 River Rd, Haverhill, MA?

21 River Rd, Haverhill, MA has 3 bedrooms, 1.5 bathrooms, 1,746 square feet of living space and a 0.85-acre lot.

When was 21 River Rd, Haverhill, MA built?

21 River Rd, Haverhill, MA was built in 1740, making it 286 years old. It is a historical home. The building has 2 stories.

What schools serve 21 River Rd, Haverhill, MA?

21 River Rd, Haverhill, MA is assigned to Golden Hill Elementary School (elementary), rated B; Dr. Paul Nettle Middle School (middle), rated C-; Haverhill High School (high), rated C. All sit in Haverhill School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 River Rd, Haverhill, MA compare to other homes in Haverhill 01830?

Among the 7,120 homes in Haverhill 01830, it is worth more than 93% of them ($779,513 against a typical $534,845), its price per square foot is higher than 96% of them ($446 against a typical $316), it is bigger than 46% of them (1,746 ft² against a typical 1,836 ft²), its lot is bigger than 87% of them (0.85 ac against a typical 0.26 ac) and it is newer than almost none of them (1740 against a typical 1945). Measured against all of Essex County, it is worth more than 61% 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 21 River Rd, Haverhill, MA?

The 2025 property tax bill for 21 River Rd, Haverhill, MA was $6,928. The county assessed it at $646,900.

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Assigned schools

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