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Duplex (2 Units, Any Combination)Residential

2858 SPEAR ST

CHARLOTTE, VT 05445
0
Baths
2,214 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1850
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,185 (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.$316,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$159,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$157,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$316,500

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.33
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Duplex (2 Units, Any Combination)
StyleThe architectural style of the home, such as ranch or colonial.Duplex Single
CountyCHITTENDEN
Lot (acres)The size of the land the home sits on, from county records.0.34
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.

E
Charlotte Central SchoolA+
Elementary · Grades PK–8 · 1.9 mi
H
Champlain Valley Union High SchoolA+
High · Grades 9–12 · 4.3 mi

District: Champlain Valley Unified School District

Neighborhood · ZIP 05445These 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.85
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.97

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.3,430
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.83 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$127,877
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$168,138
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.36 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

2858 Spear St 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.

  • Bigger than 76% of homes in Chittenden County
  • Has a smaller lot than 95% of homes in Charlotte 05445
  • Older than 98% of homes in Chittenden County

How it measures up in Charlotte 05445

The dot is this home. The mark in the middle is the typical home in Charlotte 05445.

Living area2,214 ft²
SmallerTypical 2,294 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.34 ac
SmallerTypical 5 acBigger

Bigger than 5% of homes nearby

Year built1850
OlderTypical 1982Newer

Newer than 6% of homes nearby

How 2858 Spear St ranks against every home in each area.
MeasureThis homeCharlotte 05445Chittenden County
Living areabigger than2,214 ft²47% of homes76% of homes
Lot sizebigger than0.34 ac5% of homes38% of homes
Year builtnewer than18506% of homes2% of homes

About 2858 Spear St

When did 2858 Spear St, Charlotte, VT last sell?

2858 Spear St, Charlotte, VT last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 2858 Spear St, Charlotte, VT?

2858 Spear St, Charlotte, VT has 2,214 square feet of living space and a 0.34-acre lot.

When was 2858 Spear St, Charlotte, VT built?

2858 Spear St, Charlotte, VT was built in 1850, making it 176 years old. It is a duplex single home. The building has 2 stories.

What schools serve 2858 Spear St, Charlotte, VT?

2858 Spear St, Charlotte, VT is assigned to Charlotte Central School (elementary), rated A+; Champlain Valley Union High School (high), rated A+. All sit in Champlain Valley Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2858 Spear St, Charlotte, VT compare to other homes in Charlotte 05445?

Among the 1,685 homes in Charlotte 05445, it is bigger than 47% of them (2,214 ft² against a typical 2,294 ft²), its lot is bigger than 5% of them (0.34 ac against a typical 5 ac) and it is newer than 6% of them (1850 against a typical 1982). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2858 Spear St, Charlotte, VT?

The 2025 property tax bill for 2858 Spear St, Charlotte, VT was $4,185. The county assessed it at $316,500.

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