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Single Family ResidenceResidential
$702,847$428 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $700,000 on Jan 20, 2026

104 SPRUCE LN

LUDLOW, VT 05149
2
Beds
2
Baths
1,644 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$703K
$628K low$778K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$700,000 · Jan 20, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,473 (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.$528,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$306,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$222,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$528,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
68
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
48
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 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.Conventional
CountyWINDSOR
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1991
Lot (acres)The size of the land the home sits on, from county records.1.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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, Attached
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.

E
Ludlow Elementary SchoolB
Elementary · Grades PK–6 · 3.1 mi
M
Riverside Middle SchoolD
Middle · Grades 6–8 · 13.8 mi
H
Woodstock Union Middle / High SchoolA
High · Grades 7–12 · 14.0 mi

District: Windsor Central Unified Union School District

Neighborhood · ZIP 05149These 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.180
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.34%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.2,307
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.53 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,687
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,230
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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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

104 Spruce Ln 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 81% of homes in Windsor County
  • Costs more per square foot than 88% of homes in Windsor County
  • Has a smaller lot than 65% of homes in Windsor County
  • Newer than 72% of homes in Windsor County

What homes are worth in Ludlow 05149

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

This home
$189K$2.6M

This home is worth more than 61% of homes in Ludlow 05149.

How it measures up in Ludlow 05149

The dot is this home. The mark in the middle is the typical home in Ludlow 05149.

Estimated value$702,847
CheaperTypical $636,442Pricier

Pricier than 61% of homes nearby

Price per ft²$428
CheaperTypical $351Pricier

Pricier than 65% of homes nearby

Living area1,644 ft²
SmallerTypical 1,762 ft²Bigger

Bigger than 44% of homes nearby

Lot size1 ac
SmallerTypical 1.09 acBigger

Bigger than 46% of homes nearby

Year built1988
OlderTypical 1985Newer

Newer than 66% of homes nearby

How 104 Spruce Ln ranks against every home in each area.
MeasureThis homeLudlow 05149Windsor County
Estimated valuepricier than$702,84761% of homes81% of homes
Price per ft²pricier than$42865% of homes88% of homes
Living areabigger than1,644 ft²44% of homes54% of homes
Lot sizebigger than1 ac46% of homes35% of homes
Year builtnewer than198866% of homes72% of homes

About 104 Spruce Ln

How much is 104 Spruce Ln, Ludlow, VT worth?

The TopHap Estimate for 104 Spruce Ln, Ludlow, VT is $702,847 as of Aug 30, 2026. The likely range is $627,510 to $778,184. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 104 Spruce Ln, Ludlow, VT last sell?

104 Spruce Ln, Ludlow, VT last sold on Jan 20, 2026 for $700,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 104 Spruce Ln, Ludlow, VT?

104 Spruce Ln, Ludlow, VT has 2 bedrooms, 2 bathrooms, 1,644 square feet of living space and a 1.00-acre lot.

When was 104 Spruce Ln, Ludlow, VT built?

104 Spruce Ln, Ludlow, VT was built in 1988, making it 38 years old. It is a conventional home. The building has 2 stories.

What schools serve 104 Spruce Ln, Ludlow, VT?

104 Spruce Ln, Ludlow, VT is assigned to Ludlow Elementary School (elementary), rated B; Riverside Middle School (middle), rated D; Woodstock Union Middle / High School (high), rated A. All sit in Windsor Central Unified Union School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 104 Spruce Ln, Ludlow, VT compare to other homes in Ludlow 05149?

Among the 3,324 homes in Ludlow 05149, it is worth more than 61% of them ($702,847 against a typical $636,442), its price per square foot is higher than 65% of them ($428 against a typical $351), it is bigger than 44% of them (1,644 ft² against a typical 1,762 ft²), its lot is bigger than 46% of them (1 ac against a typical 1.09 ac) and it is newer than 66% of them (1988 against a typical 1985). Measured against all of Windsor County, it is worth more than 81% 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 104 Spruce Ln, Ludlow, VT?

The 2025 property tax bill for 104 Spruce Ln, Ludlow, VT was $10,473. The county assessed it at $528,000.

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