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Single Family ResidenceResidential
$416,571$253 / 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 $365,000 on May 23, 2024

74 RUGGLES ST

THREE RIVERS, MA 01080
3
Beds
2
Baths
1,647 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
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.

Valuation

$417K
$375K low$458K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$365,000 · May 23, 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.$58,183
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$46,546
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.$358,388
TOTAL MORTGAGE SERVICES LLC · recorded May 23, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,940 (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.$380,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$320,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$152,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$342,285

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.Conventional
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.23
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.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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.

E
Old Mill PondD+
Elementary · Grades PK–6 · 0.9 mi
M
Palmer High SchoolC+
Middle · Grades 7–12 · 1.0 mi

District: Palmer School District

Neighborhood · ZIP 01080These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.1,880
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,024 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,192
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,572
Average tempThe average temperature here across a full year.48°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.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

74 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.

  • Worth more than 96% of homes in Three Rivers 01080
  • Has a smaller lot than 70% of homes in Three Rivers 01080
  • Older than 81% of homes in Hampden County

What homes are worth in Three Rivers 01080

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

This home
$179K$449K

This home is worth more than 96% of homes in Three Rivers 01080.

How it measures up in Three Rivers 01080

The dot is this home. The mark in the middle is the typical home in Three Rivers 01080.

Estimated value$416,571
CheaperTypical $311,207Pricier

Pricier than 96% of homes nearby

Price per ft²$253
CheaperTypical $237Pricier

Pricier than 63% of homes nearby

Living area1,647 ft²
SmallerTypical 1,413 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.23 ac
SmallerTypical 0.29 acBigger

Bigger than 30% of homes nearby

Year built1920
OlderTypical 1943Newer

Newer than 40% of homes nearby

How 74 Ruggles St ranks against every home in each area.
MeasureThis homeThree Rivers 01080Hampden County
Estimated valuepricier than$416,57196% of homes72% of homes
Price per ft²pricier than$25363% of homes56% of homes
Living areabigger than1,647 ft²63% of homes56% of homes
Lot sizebigger than0.23 ac30% of homes39% of homes
Year builtnewer than192040% of homes19% of homes

About 74 Ruggles St

How much is 74 Ruggles St, Three Rivers, MA worth?

The TopHap Estimate for 74 Ruggles St, Three Rivers, MA is $416,571 as of Jul 14, 2026. The likely range is $375,146 to $457,996. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 74 Ruggles St, Three Rivers, MA last sell?

74 Ruggles St, Three Rivers, MA last sold on May 23, 2024 for $365,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 74 Ruggles St, Three Rivers, MA?

74 Ruggles St, Three Rivers, MA has 3 bedrooms, 2 bathrooms, 1,647 square feet of living space and a 0.23-acre lot.

When was 74 Ruggles St, Three Rivers, MA built?

74 Ruggles St, Three Rivers, MA was built in 1920, making it 106 years old. It is a conventional home. The building has 2 stories.

What schools serve 74 Ruggles St, Three Rivers, MA?

74 Ruggles St, Three Rivers, MA is assigned to Old Mill Pond (elementary), rated D+; Palmer High School (middle), rated C+. All sit in Palmer School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 74 Ruggles St, Three Rivers, MA compare to other homes in Three Rivers 01080?

Among the 686 homes in Three Rivers 01080, it is worth more than 96% of them ($416,571 against a typical $311,207), its price per square foot is higher than 63% of them ($253 against a typical $237), it is bigger than 63% of them (1,647 ft² against a typical 1,413 ft²), its lot is bigger than 30% of them (0.23 ac against a typical 0.29 ac) and it is newer than 40% of them (1920 against a typical 1943). Measured against all of Hampden County, it is worth more than 72% 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 74 Ruggles St, Three Rivers, MA?

The 2025 property tax bill for 74 Ruggles St, Three Rivers, MA was $6,940. The county assessed it at $380,700.

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See this home in context

Open 74 Ruggles 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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