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Single Family ResidenceResidential
$580,494$334 / 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 88How 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 $525,000 on Aug 12, 2024

654 RIVER ST

HAVERHILL, MA 01832
3
Beds
2.5
Baths
1,740 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$580K
$511K low$650K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$525,000 · Aug 12, 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.$71,260
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$57,008
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.89%
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.$509,234
NEW AMERICAN FUNDING · P · recorded Aug 12, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,425 (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.$413,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$169,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$243,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$488,870

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.119 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
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.26
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.Steam
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, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Consentino Middle SchoolC+
Middle · Grades 5–8 · 0.4 mi
H
Haverhill High SchoolC
High · Grades 9–12 · 1.5 mi
E
Bartlett School
Elementary · Grades KG–2 · 1.9 mi

District: Haverhill School District

Neighborhood · ZIP 01832These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.88

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.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.25,371
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,150 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,565
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,516
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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.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

654 River 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 less than 70% of homes in Essex County
  • Costs less per square foot than 79% of homes in Essex County
  • Older than 71% of homes in Haverhill 01832

What homes are worth in Haverhill 01832

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

This home
$252K$922K

This home is worth more than 64% of homes in Haverhill 01832.

How it measures up in Haverhill 01832

The dot is this home. The mark in the middle is the typical home in Haverhill 01832.

Estimated value$580,494
CheaperTypical $513,411Pricier

Pricier than 64% of homes nearby

Price per ft²$334
CheaperTypical $332Pricier

Pricier than 51% of homes nearby

Living area1,740 ft²
SmallerTypical 1,686 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.26 ac
SmallerTypical 0.32 acBigger

Bigger than 44% of homes nearby

Year built1925
OlderTypical 1985Newer

Newer than 29% of homes nearby

How 654 River St ranks against every home in each area.
MeasureThis homeHaverhill 01832Essex County
Estimated valuepricier than$580,49464% of homes30% of homes
Price per ft²pricier than$33451% of homes21% of homes
Living areabigger than1,740 ft²53% of homes46% of homes
Lot sizebigger than0.26 ac44% of homes51% of homes
Year builtnewer than192529% of homes32% of homes

About 654 River St

How much is 654 River St, Haverhill, MA worth?

The TopHap Estimate for 654 River St, Haverhill, MA is $580,494 as of Jul 14, 2026. The likely range is $511,049 to $649,939. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 654 River St, Haverhill, MA last sell?

654 River St, Haverhill, MA last sold on Aug 12, 2024 for $525,000, according to the county's recorded deed.

How big is 654 River St, Haverhill, MA?

654 River St, Haverhill, MA has 3 bedrooms, 2.5 bathrooms, 1,740 square feet of living space and a 0.26-acre lot.

When was 654 River St, Haverhill, MA built?

654 River St, Haverhill, MA was built in 1925, making it 101 years old. The building has 2 stories.

What schools serve 654 River St, Haverhill, MA?

654 River St, Haverhill, MA is assigned to Consentino Middle School (middle), rated C+; Haverhill High School (high), rated C; Bartlett School (elementary). All sit in Haverhill School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 654 River St, Haverhill, MA compare to other homes in Haverhill 01832?

Among the 7,094 homes in Haverhill 01832, it is worth more than 64% of them ($580,494 against a typical $513,411), its price per square foot is higher than 51% of them ($334 against a typical $332), it is bigger than 53% of them (1,740 ft² against a typical 1,686 ft²), its lot is bigger than 44% of them (0.26 ac against a typical 0.32 ac) and it is newer than 29% of them (1925 against a typical 1985). Measured against all of Essex County, it is worth more than 30% 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 654 River St, Haverhill, MA?

The 2025 property tax bill for 654 River St, Haverhill, MA was $4,425. The county assessed it at $413,200.

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See this home in context

Open 654 River Ston 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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