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Single Family ResidenceResidential
$263,472$244 / 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 Oct 21, 2026

20 LOCKE TER

SAINT ALBANS, VT 05478
3
Beds
1
Baths
1,080 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.
0.53 ac
Lot SizeThe size of the land the home sits on, from county records.
1953
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$263K
$234K low$293K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,762 (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.$302,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$99,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$202,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$164,400

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.Ranch
CountyFRANKLIN
Lot (acres)The size of the land the home sits on, from county records.0.53
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
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

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 · 1.1 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

20 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 86% of homes in Saint Albans 05478
  • Smaller than 79% of homes in Saint Albans 05478
  • Has a smaller lot than 70% of homes in Franklin County
  • Older than 69% 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 14% 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$263,472
CheaperTypical $369,494Pricier

Pricier than 14% of homes nearby

Price per ft²$244
CheaperTypical $242Pricier

Pricier than 51% of homes nearby

Living area1,080 ft²
SmallerTypical 1,501 ft²Bigger

Bigger than 21% of homes nearby

Lot size0.53 ac
SmallerTypical 0.5 acBigger

Bigger than 53% of homes nearby

Year built1953
OlderTypical 1971Newer

Newer than 38% of homes nearby

How 20 Locke Ter ranks against every home in each area.
MeasureThis homeSaint Albans 05478Franklin County
Estimated valuepricier than$263,47214% of homes21% of homes
Price per ft²pricier than$24451% of homes54% of homes
Living areabigger than1,080 ft²21% of homes23% of homes
Lot sizebigger than0.53 ac53% of homes30% of homes
Year builtnewer than195338% of homes31% of homes

About 20 Locke Ter

How much is 20 Locke Ter, Saint Albans, VT worth?

The TopHap Estimate for 20 Locke Ter, Saint Albans, VT is $263,472 as of Oct 21, 2026. The likely range is $234,417 to $292,527. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Locke Ter, Saint Albans, VT last sell?

20 Locke Ter, Saint Albans, VT last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20 Locke Ter, Saint Albans, VT?

20 Locke Ter, Saint Albans, VT has 3 bedrooms, 1 bathrooms, 1,080 square feet of living space and a 0.53-acre lot.

When was 20 Locke Ter, Saint Albans, VT built?

20 Locke Ter, Saint Albans, VT was built in 1953, making it 73 years old. It is a ranch home.

What schools serve 20 Locke Ter, Saint Albans, VT?

20 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 20 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 14% of them ($263,472 against a typical $369,494), its price per square foot is higher than 51% of them ($244 against a typical $242), it is bigger than 21% of them (1,080 ft² against a typical 1,501 ft²), its lot is bigger than 53% of them (0.53 ac against a typical 0.5 ac) and it is newer than 38% of them (1953 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 20 Locke Ter, Saint Albans, VT?

The 2025 property tax bill for 20 Locke Ter, Saint Albans, VT was $3,762. The county assessed it at $302,500.

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