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Single Family ResidenceResidential
$558,316$415 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

3105 RIVER RD

WATERBURY, VT 05676
2
Beds
3 / 1
Baths
1,344 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.
10.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
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

$558K
$533K low$584K high
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.$437,316
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$349,853
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.19%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$121,000
TD BANK NA · recorded Dec 12, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,878 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$319,700 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$79,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$240,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$319,700

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.30
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
3
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
49
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyWashington
Lot (acres)The size of the land the home sits on, from county records.10.90
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Steam
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.

E
Brookside Primary SchoolB-
Elementary · Grades PK–4 · 2.3 mi
M
Crossett Brook Middle SchoolB
Middle · Grades 5–8 · 3.0 mi
H
Harwood Union Middle / High SchoolA+
High · Grades 7–12 · 6.8 mi

District: Harwood Unified School District

Neighborhood · ZIP 05676These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.80

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.6,290
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.63 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$90,721
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$106,846
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

3105 River Rd 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 76% of homes in Washington County
  • Costs more per square foot than 89% of homes in Washington County
  • Has a bigger lot than 86% of homes in Waterbury 05676
  • Newer than 75% of homes in Washington County

What homes are worth in Waterbury 05676

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

This home
$159K$1.3M

This home is worth more than 67% of homes in Waterbury 05676.

How it measures up in Waterbury 05676

The dot is this home. The mark in the middle is the typical home in Waterbury 05676.

Estimated value$558,316
CheaperTypical $461,506Pricier

Pricier than 67% of homes nearby

Price per ft²$415
CheaperTypical $304Pricier

Pricier than 88% of homes nearby

Living area1,344 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 38% of homes nearby

Lot size10.9 ac
SmallerTypical 1.7 acBigger

Bigger than 86% of homes nearby

Year built1989
OlderTypical 1981Newer

Newer than 63% of homes nearby

How 3105 River Rd ranks against every home in each area.
MeasureThis homeWaterbury 05676Washington County
Estimated valuepricier than$558,31667% of homes76% of homes
Price per ft²pricier than$41588% of homes89% of homes
Living areabigger than1,344 ft²38% of homes40% of homes
Lot sizebigger than10.9 ac86% of homes83% of homes
Year builtnewer than198963% of homes75% of homes

About 3105 River Rd

How much is 3105 River Rd, Waterbury, VT worth?

The TopHap Estimate for 3105 River Rd, Waterbury, VT is $558,316 as of Jul 14, 2026. The likely range is $533,064 to $583,568. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3105 River Rd, Waterbury, VT?

3105 River Rd, Waterbury, VT has 2 bedrooms, 3 bathrooms, 1,344 square feet of living space and a 10.90-acre lot.

When was 3105 River Rd, Waterbury, VT built?

3105 River Rd, Waterbury, VT was built in 1989, making it 37 years old. It is a ranch home.

What schools serve 3105 River Rd, Waterbury, VT?

3105 River Rd, Waterbury, VT is assigned to Brookside Primary School (elementary), rated B-; Crossett Brook Middle School (middle), rated B; Harwood Union Middle / High School (high), rated A+. All sit in Harwood Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3105 River Rd, Waterbury, VT compare to other homes in Waterbury 05676?

Among the 1,958 homes in Waterbury 05676, it is worth more than 67% of them ($558,316 against a typical $461,506), its price per square foot is higher than 88% of them ($415 against a typical $304), it is bigger than 38% of them (1,344 ft² against a typical 1,560 ft²), its lot is bigger than 86% of them (10.9 ac against a typical 1.7 ac) and it is newer than 63% of them (1989 against a typical 1981). Measured against all of Washington County, it is worth more than 76% 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 3105 River Rd, Waterbury, VT?

The 2024 property tax bill for 3105 River Rd, Waterbury, VT was $8,878. The county assessed it at $319,700.

Closest homes

More homes in Waterbury 05676

Assigned schools

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