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Property profile & analytics
OFF-MARKET
Estimated value
$670,000
Investment properties
434 Main St, Haverhill, MA 01830-3270
Individually Owned
~
Est. High Equity
Property ID
US38-1620884
Property profile
Verified
Property type
Investment properties
Use group
OFFICE/RESIDENTIAL (MIXED USE)
Year built
1885
Construction
FRAME
Total area
2,365 SF
Lot
0.1 ac (4,330 SF)
Zoning code
TY
APN
HAVE M:0611 B:00496 L:2
UPID
US38-1620884
Cap rate & NOI
Priority signal for investors
Implied cap rate, NOI & suggested price
Cap rate vs submarket · NOI estimate · 3 price anchors
Implied cap rate, NOI & suggested price
Cap vs submarket · NOI estimate · 3 price anchors
Current use
Occupant on record · Public records
-
Di-An Realty Real Estate Agency
-
Dianne Burns Real Estate Agency
Value estimations
Realmo proprietary · 4 methods
AI Approach
AI
by Request
CAP Approach
CAP
$735k
Comparable Approach
Comparable
$598k
Blend (final)
Blend
$670k
Owner & transaction history
Rashel P Payano
Rashel P Payano
since 2025
Last sale
$670,000
5 recorded transactions
Zoning & alternative use
TY · Haverhill, MA
Permitted uses
Permitted uses
Allowed · conditional · prohibited
Top alternative use upside
Office building
$585,000
+54.9%
Auto repair, garage
$565,000
+50.5%
Cap rate
Implied · in-place · derived from last sale + estimated NOI
Implied Cap rate
#1
Implied · in-place · NOI ÷ last sale
In-place · derived from last sale + estimated NOI
Cap rate, NOI & submarket benchmark
Implied cap rate vs Haverhill submarket · NOI estimate · Typical band, median & reading
Implied cap rate, NOI & submarket benchmark
Cap vs Haverhill submarket · NOI estimate · typical band, median & reading
Refine your cap rate
8-question underwriting flow
1.
Property current status — Going-In vs Stabilized
2.
Price for denominator — asking / offer / market
3.
Leasing status & lease structure (NNN / Gross)
4.
Tenant risk profile & vacancy assumption
5.
Upload T12 / rent roll / OM (optional)
Refine in 60 seconds, get exact suggested price
T12 upload · Submarket benchmarks · Sensitivity grid
Suggested price · 3 cap rate anchors
Income approach @ 5% / 7% / 9% — aggressive / typical / conservative
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · Implied $/SF per anchor · Sensitivity grid
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · implied $/SF · sensitivity
Value
AI, CAP & Alternative Use estimations · Realmo proprietary blendValue Estimations
Based on Realmo’s proprietary methodology
AI Approach
Method
Estimation
Statistic approach
by Request
ML approach
by Request
CAP Approach
CAP Return
Estimation
6%
$800,000
6.5%
$735,000
7%
$685,000
Alternative Use
Use
Estimation
OFFICE BUILDING
$585,000
Change: +55% · Conversion: Easy
AUTO REPAIR, GARAGE
$565,000
Change: +51% · Conversion: Difficult
Blend value · Realmo final
$670k
Range $603k – $737k · ±10% · vs last sale $670k (Dec 5 2025)
Last sale anchor
$670k
Dec 5 2025
Realmo estimate · informational only.
These numbers are calculated by our models from public records and may not reflect actual market value.
Not an appraisal.
Verify with a licensed appraiser before transacting. Realmo accepts no liability for divergence from real-world outcomes.
View the full estimation — every method, every assumption
Confidence drivers & risk notes · Custom comparable set · Free for first 3 / day
Full estimation methodology
Every method · every assumption · confidence drivers
Price per SF
Sale + rent benchmarks
Subject property
$283 / SF
Submarket sale & rent benchmarks
Median sale $/SF · Asking & closed rent · Submarket vacancy
Submarket sale & rent benchmarks
Median sale $/SF · asking & closed rent · submarket vacancy
Property tax & assessments
Tax year 2024Property tax & assessments
Tax year 2024
Assessed value
$498,700
Assessed 2024
Previous assessed
$452,600
+10.2% YoY
Assessed land
$149,100
Assessed improvement
$349,600
Comparables
6 recent transactions · within 1.5 miComparable in this city
6 recent transactions
Comparable in this City
Recent comparable sales
Sale price & price/SF · Sale date & distance · Adjustments & confidence
Recent comparable sales
Sale price & $/SF · sale date & distance · adjustments
Property description
Physical attributes from public recordsBuilding & lot
Public records
Property type
Investment properties
Use group
OFFICE/RESIDENTIAL (MIXED USE)
Status
Off-Market
Year built
1885
Construction
FRAME
Heating
HOT WATER
Buildings
1
Stories
2
Units
3
Rooms
6
Bathrooms
4
Total area
2,365 SF
Lot
0.1 ac (4,330 SF)
Zoning code
TY
APN
HAVE M:0611 B:00496 L:2
UPID
US38-1620884
Jurisdiction
HAVERHILL
Metro division
ESSEX COUNTY, MA METROPOLITAN DIVISION
Zoning & alternative use
TY · Haverhill, MA
Zoning TY · permitted uses
TY · Haverhill, MA
Permitted & conditional uses
Allowed uses · Special-permit conditions · Prohibited uses
Permitted & conditional uses
Allowed · special-permit conditions · prohibited
Haverhill. Always verify with local authorities before improvements.
Alternative use value scenarios
Repositioning upside vs current use
OFFICE BUILDING
Est. value
$585,000
AUTO REPAIR, GARAGE
Est. value
$565,000
OFFICE BUILDING
AUTO REPAIR, GARAGE
Alternative use deep dive — conversion cost, permits, timeline
Conversion cost estimate · Permit path & risks · Stabilized NOI per option
Alternative use deep dive
Conversion cost · permit path · stabilized NOI per option
Building & site characteristics
From public records
Year built
1885
Construction
FRAME
Heating
HOT WATER
Stories
2
Buildings
1
Units
3
Rooms
6
Bathrooms
4
Lot
0.1 ac
Current owner
From public records · entity-resolved
Rashel P Payano
Individual
Mailing address
2 SHR ST, NEWBURYPORT, MA 01950-4229
Ownership since
2025
Owner contacts — direct phone, email, and related entities
Decision-maker phone · Verified email · Related entities & filings
Owner contacts
Email · phone · related entities
Sales History
5 recorded events · public records
Date
Price
Buyer
Seller
Deed Type
Mortgage
Dec 5, 2025
$670,000
Rashel P Payano
Dbms Realty 434 LLC
Deed
$636,500 · Fall River Five Cents Savings Bank
Jun 1, 2009
$1
Dbms Realty 434 LLC
Cullen Burns RT
Grant Deed
—
Apr 20, 2004
$1
Cullen Burns RT
C&d RT
Grant Deed
related
—
May 12, 1998
—
Dianne A Burns
—
Deed Of Trust
related
$65,800 · Gary Needham
Dec 19, 1988
—
Dianne A Burns
—
Deed Of Trust
related
$67,000 · Family Mutual Savings Bank
Coming soon
Costs & Benchmarks
Operating expenses, capex projections, utility benchmarks, and submarket comparables — all in one view.
Coming soon
Risks
Flood, climate, environmental, title, and tenant-concentration risk — surfaced with mitigations and source citations.
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