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Single Family ResidenceResidential
$613,261$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 87How 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 $294,688 on May 17, 2023

3453 SPEAR ST

CHARLOTTE, VT 05445
4
Beds
2
Baths
1,728 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.
15.05 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$613K
$533K low$694K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$294,688 · May 17, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,937 (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.$631,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$319,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$311,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$631,300

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.35
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
CountyCHITTENDEN
Lot (acres)The size of the land the home sits on, from county records.15.05
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(3)

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
Charlotte Central SchoolA+
Elementary · Grades PK–8 · 2.1 mi
H
Champlain Valley Union High SchoolA+
High · Grades 9–12 · 4.4 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

3453 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.

  • Worth less than 81% of homes in Charlotte 05445
  • Costs more per square foot than 70% of homes in Chittenden County
  • Smaller than 72% of homes in Charlotte 05445
  • Has a bigger lot than 93% of homes in Chittenden County
  • Older than 68% of homes in Charlotte 05445

What homes are worth in Charlotte 05445

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

This home
$403K$2.9M

This home is worth more than 19% of homes in Charlotte 05445.

How it measures up in Charlotte 05445

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

Estimated value$613,261
CheaperTypical $885,772Pricier

Pricier than 19% of homes nearby

Price per ft²$355
CheaperTypical $397Pricier

Pricier than 35% of homes nearby

Living area1,728 ft²
SmallerTypical 2,296 ft²Bigger

Bigger than 28% of homes nearby

Lot size15.05 ac
SmallerTypical 5 acBigger

Bigger than 85% of homes nearby

Year built1970
OlderTypical 1982Newer

Newer than 32% of homes nearby

How 3453 Spear St ranks against every home in each area.
MeasureThis homeCharlotte 05445Chittenden County
Estimated valuepricier than$613,26119% of homes69% of homes
Price per ft²pricier than$35535% of homes70% of homes
Living areabigger than1,728 ft²28% of homes56% of homes
Lot sizebigger than15.05 ac85% of homes93% of homes
Year builtnewer than197032% of homes37% of homes

About 3453 Spear St

How much is 3453 Spear St, Charlotte, VT worth?

The TopHap Estimate for 3453 Spear St, Charlotte, VT is $613,261 as of Oct 21, 2026. The likely range is $532,972 to $693,550. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3453 Spear St, Charlotte, VT last sell?

3453 Spear St, Charlotte, VT last sold on May 17, 2023 for $294,688, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3453 Spear St, Charlotte, VT?

3453 Spear St, Charlotte, VT has 4 bedrooms, 2 bathrooms, 1,728 square feet of living space and a 15.05-acre lot.

When was 3453 Spear St, Charlotte, VT built?

3453 Spear St, Charlotte, VT was built in 1970, making it 56 years old. It is a ranch home. The building has 1 story.

What schools serve 3453 Spear St, Charlotte, VT?

3453 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 3453 Spear St, Charlotte, VT compare to other homes in Charlotte 05445?

Among the 1,685 homes in Charlotte 05445, it is worth more than 19% of them ($613,261 against a typical $885,772), its price per square foot is higher than 35% of them ($355 against a typical $397), it is bigger than 28% of them (1,728 ft² against a typical 2,296 ft²), its lot is bigger than 85% of them (15.05 ac against a typical 5 ac) and it is newer than 32% of them (1970 against a typical 1982). Measured against all of Chittenden County, it is worth more than 69% 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 3453 Spear St, Charlotte, VT?

The 2025 property tax bill for 3453 Spear St, Charlotte, VT was $7,937. The county assessed it at $631,300.

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