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Single Family ResidenceResidential
$280,139$300 / 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 62How 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

3532 VT ROUTE 109

WATERVILLE, VT 05492
2
Beds
1
Baths
934 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.
1.04 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
Year BuiltThe year the home was originally built, according to county records.
1
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

$280K
$173K low$387K 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.$280,139
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$224,111

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,317 (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.$130,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$54,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$76,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$130,300

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.34
16
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
50
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
11
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.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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
CountyLAMOILLE
Lot (acres)The size of the land the home sits on, from county records.1.04
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Floor/Wall Furnace
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
Cambridge Elementary SchoolB
Elementary · Grades PK–6 · 3.5 mi
H
Lamoille Union High SchoolB-
High · Grades 9–12 · 9.2 mi
M
Lamoille Union Middle SchoolD
Middle · Grades 7–8 · 9.2 mi

District: Lamoille North Modified Unified Union School District 058b

Neighborhood · ZIP 05492These 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.76
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.82

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.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.639
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.29 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,465
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,422
Average tempThe average temperature here across a full year.39°F
Annual precipHow much rain and melted snow falls here in a typical year.56 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

3532 Vt Route 109 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 83% of homes in Lamoille County
  • Costs more per square foot than 87% of homes in Waterville 05492
  • Smaller than 87% of homes in Lamoille County
  • Has a smaller lot than 81% of homes in Waterville 05492
  • Newer than 96% of homes in Waterville 05492

What homes are worth in Waterville 05492

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

This home
$103K$712K

This home is worth more than 37% of homes in Waterville 05492.

How it measures up in Waterville 05492

The dot is this home. The mark in the middle is the typical home in Waterville 05492.

Estimated value$280,139
CheaperTypical $323,729Pricier

Pricier than 37% of homes nearby

Price per ft²$300
CheaperTypical $229Pricier

Pricier than 87% of homes nearby

Living area934 ft²
SmallerTypical 1,449 ft²Bigger

Bigger than 17% of homes nearby

Lot size1.04 ac
SmallerTypical 4.3 acBigger

Bigger than 19% of homes nearby

Year built2016
OlderTypical 1984Newer

Newer than 96% of homes nearby

How 3532 Vt Route 109 ranks against every home in each area.
MeasureThis homeWaterville 05492Lamoille County
Estimated valuepricier than$280,13937% of homes17% of homes
Price per ft²pricier than$30087% of homes46% of homes
Living areabigger than934 ft²17% of homes13% of homes
Lot sizebigger than1.04 ac19% of homes25% of homes
Year builtnewer than201696% of homes94% of homes

About 3532 Vt Route 109

How much is 3532 Vt Route 109, Waterville, VT worth?

The TopHap Estimate for 3532 Vt Route 109, Waterville, VT is $280,139 as of Jul 14, 2026. The likely range is $173,163 to $387,115. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3532 Vt Route 109, Waterville, VT last sell?

3532 Vt Route 109, Waterville, VT last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3532 Vt Route 109, Waterville, VT?

3532 Vt Route 109, Waterville, VT has 2 bedrooms, 1 bathrooms, 934 square feet of living space and a 1.04-acre lot.

When was 3532 Vt Route 109, Waterville, VT built?

3532 Vt Route 109, Waterville, VT was built in 2016, making it 10 years old. The building has 1 story.

What schools serve 3532 Vt Route 109, Waterville, VT?

3532 Vt Route 109, Waterville, VT is assigned to Cambridge Elementary School (elementary), rated B; Lamoille Union High School (high), rated B-; Lamoille Union Middle School (middle), rated D. All sit in Lamoille North Modified Unified Union School District 058b. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3532 Vt Route 109, Waterville, VT compare to other homes in Waterville 05492?

Among the 334 homes in Waterville 05492, it is worth more than 37% of them ($280,139 against a typical $323,729), its price per square foot is higher than 87% of them ($300 against a typical $229), it is bigger than 17% of them (934 ft² against a typical 1,449 ft²), its lot is bigger than 19% of them (1.04 ac against a typical 4.3 ac) and it is newer than 96% of them (2016 against a typical 1984). Measured against all of Lamoille County, it is worth more than 17% 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 3532 Vt Route 109, Waterville, VT?

The 2025 property tax bill for 3532 Vt Route 109, Waterville, VT was $2,317. The county assessed it at $130,300.

Closest homes

More homes in Waterville 05492

Assigned schools

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