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At US Realty Associates, our attentive staff is available seven days a week to answer all of your questions and ensure you are 100% satisfied. Feel free to contact our office anytime!

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US Realty Associates is a full service, residential appraisal company, known by our customers as a leading provider of quality home appraisals, superior service, quick turnaround times and professional Appraisers.


US Realty Associates service area includes most of Massachusetts  including the following counties:  Norfolk, Middlesex and Worcester.

Banks & Lending Institutions

Lenders rely on us to provide them with thorough, accurate, and objective appraisal reports that result in reliable opinions of market value so they can make prudent underwriting decisions.

Attorneys / Divorce

Divorce proceedings are never easy. Both clients and their attorneys need to know the value of involved real property to come to amicable settlements in the least amount of time.


When you order from US Realty Associates you can count on fast, bias-free, and high-quality appraisals from local-market experts with years of experience. We know how to treat you with respect and contribute to the best possible outcome for all parties involved.


Settling an estate usually requires an appraisal to establish Fair Market Value for the property involved.  The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.  Having a professional appraisal gives the executor solid facts and figures to work with in meeting IRS and state agency requirements. It assures peace of mind to everyone concerned because we are there to stand behind the appraisal if it is challenged.  Contact us!

Real Estate Developers

Foreclosure & Bank Owned

Homes in foreclosure and homes that are now bank owned present special appraisal challenges, and US Realty Associates is ready and able to help!


For a property in foreclosure, you may need to know the difference between fair market value and "quick disposition" value, to know your potential charge-off liability. US Realty Associates has experience in both providing snapshots of fair market value for our mortgage lending and servicing clients as well as "quick sale" forecasts that understand your timeline.    Read more...

Private Homeowners & FSBO (For Sale by Owner)

Our investment in training and technology has helped our customers greatly reduce their workload. By offering online appraisal ordering, coupled with automatic report status updates and electronic delivery of the final product, we are able to eliminate the run around and phone tag hassles associated with this process. And since this saves us money as well, we can keep our rates competitive with anybody in the industry.



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Stephen Tosches, Owner/Appraiser


I am a state certified residential appraiser providing quality appraisal services for local banking institutions, law firms, and private homeowners.  


I have been appraising residential properties in Worcester, Norfolk and Middlesex Counties for over 30 years. 

About Us...

Committed to providing the highest quality services to our clients.


Stephen, a native of Milford, Massachusetts, began his career as a real estate broker. His interest in the field of real estate lead to the development of US Realty Associates, founded in 1983.


US Realty specializes in residential appraisals, which include; single family, 2-4 family, condominium units, and land parcels.  


We provide services to local lending institutions, relocation companies, law firms, and private individuals.

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