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Single Family ResidenceResidential
$411,065$236 / 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 70How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $385,000 on Dec 17, 2024

3 PROSPECT ST

LUDLOW, VT 05149
3
Beds
2.5
Baths
1,740 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.
0.13 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.
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

$411K
$288K low$534K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Dec 17, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$411,065
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$328,852

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,088 (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.$206,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$51,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$154,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$206,100

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.50
92
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.
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.51%
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.Traditional/Old
CountyWINDSOR
Lot (acres)The size of the land the home sits on, from county records.0.13
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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
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.Elevator

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.

E
Ludlow Elementary SchoolB
Elementary · Grades PK–6 · 0.7 mi
M
Green Mountain Union High SchoolB
Middle · Grades 7–12 · 11.6 mi

District: Green Mountain Unified 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

3 Prospect 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.

  • Worth less than 74% of homes in Ludlow 05149
  • Costs less per square foot than 80% of homes in Ludlow 05149
  • Has a smaller lot than 98% of homes in Ludlow 05149
  • Older than 87% of homes in Ludlow 05149

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
$191K$2.9M

This home is worth more than 26% 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$411,065
CheaperTypical $602,901Pricier

Pricier than 26% of homes nearby

Price per ft²$236
CheaperTypical $343Pricier

Pricier than 20% of homes nearby

Living area1,740 ft²
SmallerTypical 1,756 ft²Bigger

Bigger than 49% of homes nearby

Lot size0.13 ac
SmallerTypical 1.08 acBigger

Bigger than 2% of homes nearby

Year built1920
OlderTypical 1984Newer

Newer than 13% of homes nearby

How 3 Prospect St ranks against every home in each area.
MeasureThis homeLudlow 05149Windsor County
Estimated valuepricier than$411,06526% of homes51% of homes
Price per ft²pricier than$23620% of homes40% of homes
Living areabigger than1,740 ft²49% of homes59% of homes
Lot sizebigger than0.13 ac2% of homes3% of homes
Year builtnewer than192013% of homes19% of homes

About 3 Prospect St

How much is 3 Prospect St, Ludlow, VT worth?

The TopHap Estimate for 3 Prospect St, Ludlow, VT is $411,065 as of Jun 23, 2026. The likely range is $287,745 to $534,384. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Prospect St, Ludlow, VT last sell?

3 Prospect St, Ludlow, VT last sold on Dec 17, 2024 for $385,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3 Prospect St, Ludlow, VT?

3 Prospect St, Ludlow, VT has 3 bedrooms, 2.5 bathrooms, 1,740 square feet of living space and a 0.13-acre lot.

When was 3 Prospect St, Ludlow, VT built?

3 Prospect St, Ludlow, VT was built in 1920, making it 106 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 3 Prospect St, Ludlow, VT?

3 Prospect St, Ludlow, VT is assigned to Ludlow Elementary School (elementary), rated B; Green Mountain Union High School (middle), rated B. All sit in Green Mountain Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 Prospect St, Ludlow, VT compare to other homes in Ludlow 05149?

Among the 3,324 homes in Ludlow 05149, it is worth more than 26% of them ($411,065 against a typical $602,901), its price per square foot is higher than 20% of them ($236 against a typical $343), it is bigger than 49% of them (1,740 ft² against a typical 1,756 ft²), its lot is bigger than 2% of them (0.13 ac against a typical 1.08 ac) and it is newer than 13% of them (1920 against a typical 1984). Measured against all of Windsor County, it is worth more than 51% 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 3 Prospect St, Ludlow, VT?

The 2025 property tax bill for 3 Prospect St, Ludlow, VT was $4,088. The county assessed it at $206,100.

Closest homes

More homes in Ludlow 05149

Assigned schools

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