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Single Family ResidenceResidential
$262,167$355 / 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 75How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $250,000 on Nov 5, 2025

12 LOCKE TER

SAINT ALBANS, VT 05478
3
Beds
1
Baths
738 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.
0.11 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.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$262K
$196K low$329K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$250,000 · Nov 5, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,608 (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.$209,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$56,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$153,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$109,800

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.28
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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.
82
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.Cape Cod
CountyFRANKLIN
Lot (acres)The size of the land the home sits on, from county records.0.11
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.

H
Bellows Free AcademyD+
High · Grades 9–12 · 0.4 mi
E
St. Albans City Elementary SchoolD
Elementary · Grades PK–8 · 1.2 mi

District: Maple Run Unified School District

Neighborhood · ZIP 05478These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.114

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.94%
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.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.14,695
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.255 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,843
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,501
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.38 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

12 Locke Ter 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 87% of homes in Saint Albans 05478
  • Costs more per square foot than 96% of homes in Saint Albans 05478
  • Smaller than 98% of homes in Saint Albans 05478
  • Has a smaller lot than 97% of homes in Franklin County
  • Older than 77% of homes in Franklin County

What homes are worth in Saint Albans 05478

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

This home
$163K$817K

This home is worth more than 13% of homes in Saint Albans 05478.

How it measures up in Saint Albans 05478

The dot is this home. The mark in the middle is the typical home in Saint Albans 05478.

Estimated value$262,167
CheaperTypical $369,494Pricier

Pricier than 13% of homes nearby

Price per ft²$355
CheaperTypical $242Pricier

Pricier than 96% of homes nearby

Living area738 ft²
SmallerTypical 1,501 ft²Bigger

Bigger than 2% of homes nearby

Lot size0.11 ac
SmallerTypical 0.5 acBigger

Bigger than 6% of homes nearby

Year built1920
OlderTypical 1971Newer

Newer than 27% of homes nearby

How 12 Locke Ter ranks against every home in each area.
MeasureThis homeSaint Albans 05478Franklin County
Estimated valuepricier than$262,16713% of homes21% of homes
Price per ft²pricier than$35596% of homes94% of homes
Living areabigger than738 ft²2% of homes4% of homes
Lot sizebigger than0.11 ac6% of homes3% of homes
Year builtnewer than192027% of homes23% of homes

About 12 Locke Ter

How much is 12 Locke Ter, Saint Albans, VT worth?

The TopHap Estimate for 12 Locke Ter, Saint Albans, VT is $262,167 as of Oct 21, 2026. The likely range is $195,590 to $328,744. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Locke Ter, Saint Albans, VT last sell?

12 Locke Ter, Saint Albans, VT last sold on Nov 5, 2025 for $250,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 12 Locke Ter, Saint Albans, VT?

12 Locke Ter, Saint Albans, VT has 3 bedrooms, 1 bathrooms, 738 square feet of living space and a 0.11-acre lot.

When was 12 Locke Ter, Saint Albans, VT built?

12 Locke Ter, Saint Albans, VT was built in 1920, making it 106 years old. It is a cape cod home.

What schools serve 12 Locke Ter, Saint Albans, VT?

12 Locke Ter, Saint Albans, VT is assigned to Bellows Free Academy (high), rated D+; St. Albans City Elementary School (elementary), rated D. All sit in Maple Run Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Locke Ter, Saint Albans, VT compare to other homes in Saint Albans 05478?

Among the 5,690 homes in Saint Albans 05478, it is worth more than 13% of them ($262,167 against a typical $369,494), its price per square foot is higher than 96% of them ($355 against a typical $242), it is bigger than 2% of them (738 ft² against a typical 1,501 ft²), its lot is bigger than 6% of them (0.11 ac against a typical 0.5 ac) and it is newer than 27% of them (1920 against a typical 1971). Measured against all of Franklin County, it is worth more than 21% 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 12 Locke Ter, Saint Albans, VT?

The 2025 property tax bill for 12 Locke Ter, Saint Albans, VT was $2,608. The county assessed it at $209,700.

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