Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$585,730$348 / 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 79How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $485,000 on Jul 30, 2026

3560 SPEAR ST

CHARLOTTE, VT 05445
3
Beds
2
Baths
1,683 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.
0.92 ac
Lot SizeThe size of the land the home sits on, from county records.
1966
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$586K
$466K low$706K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$485,000 · Jul 30, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,097 (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.$485,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$217,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$268,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$485,000

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.
20
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.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.0.92
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
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(1)

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 · 2.0 mi
H
Champlain Valley Union High SchoolA+
High · Grades 9–12 · 4.6 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%

Owner Tools

Do you own this home?
Claim this home

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

3560 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 82% of homes in Charlotte 05445
  • Costs more per square foot than 67% of homes in Chittenden County
  • Smaller than 74% of homes in Charlotte 05445
  • Has a smaller lot than 86% of homes in Charlotte 05445
  • Older than 73% 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
$392K$2.7M

This home is worth more than 18% 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$585,730
CheaperTypical $840,917Pricier

Pricier than 18% of homes nearby

Price per ft²$348
CheaperTypical $377Pricier

Pricier than 39% of homes nearby

Living area1,683 ft²
SmallerTypical 2,296 ft²Bigger

Bigger than 26% of homes nearby

Lot size0.92 ac
SmallerTypical 5 acBigger

Bigger than 14% of homes nearby

Year built1966
OlderTypical 1982Newer

Newer than 27% of homes nearby

How 3560 Spear St ranks against every home in each area.
MeasureThis homeCharlotte 05445Chittenden County
Estimated valuepricier than$585,73018% of homes65% of homes
Price per ft²pricier than$34839% of homes67% of homes
Living areabigger than1,683 ft²26% of homes54% of homes
Lot sizebigger than0.92 ac14% of homes67% of homes
Year builtnewer than196627% of homes30% of homes

About 3560 Spear St

How much is 3560 Spear St, Charlotte, VT worth?

The TopHap Estimate for 3560 Spear St, Charlotte, VT is $585,730 as of Aug 30, 2026. The likely range is $465,511 to $705,949. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3560 Spear St, Charlotte, VT last sell?

3560 Spear St, Charlotte, VT last sold on Jul 30, 2026 for $485,000, according to the county's recorded deed.

How big is 3560 Spear St, Charlotte, VT?

3560 Spear St, Charlotte, VT has 3 bedrooms, 2 bathrooms, 1,683 square feet of living space and a 0.92-acre lot.

When was 3560 Spear St, Charlotte, VT built?

3560 Spear St, Charlotte, VT was built in 1966, making it 60 years old. It is a ranch home. The building has 1 story.

What schools serve 3560 Spear St, Charlotte, VT?

3560 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 3560 Spear St, Charlotte, VT compare to other homes in Charlotte 05445?

Among the 1,685 homes in Charlotte 05445, it is worth more than 18% of them ($585,730 against a typical $840,917), its price per square foot is higher than 39% of them ($348 against a typical $377), it is bigger than 26% of them (1,683 ft² against a typical 2,296 ft²), its lot is bigger than 14% of them (0.92 ac against a typical 5 ac) and it is newer than 27% of them (1966 against a typical 1982). Measured against all of Chittenden County, it is worth more than 65% 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 3560 Spear St, Charlotte, VT?

The 2025 property tax bill for 3560 Spear St, Charlotte, VT was $6,097. The county assessed it at $485,000.

More homes on Spear St

Closest homes

More homes in Charlotte 05445

Assigned schools

Explore the area

See this home in context

Open 3560 Spear St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map