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Single Family ResidenceResidential
$175,820$145 / 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 83How 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
Last sold for $32,500 on Mar 15, 2011

38 COTTAGE ST

HARDWICK, VT 05843
3
Beds
1.5
Baths
1,209 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$176K
$146K low$206K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$32,500 · Mar 15, 2011
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.$175,820
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$140,656

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,953 (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.$156,700 (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.$105,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$85,800

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.47
89
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.
46
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.181 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
CountyCALEDONIA
Lot (acres)The size of the land the home sits on, from county records.0.26
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Hazen Union High SchoolB-
High · Grades 9–12 · 0.3 mi

District: Hazen Union High School District 26

Neighborhood · ZIP 05843These 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.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.75

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
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.2,593
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.67 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,124
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,988
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

38 Cottage 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 85% of homes in Caledonia County
  • Costs less per square foot than 79% of homes in Caledonia County
  • Smaller than 67% of homes in Hardwick 05843
  • Has a smaller lot than 89% of homes in Caledonia County
  • Older than 88% of homes in Hardwick 05843

What homes are worth in Hardwick 05843

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

This home
$71K$600K

This home is worth more than 20% of homes in Hardwick 05843.

How it measures up in Hardwick 05843

The dot is this home. The mark in the middle is the typical home in Hardwick 05843.

Estimated value$175,820
CheaperTypical $253,598Pricier

Pricier than 20% of homes nearby

Price per ft²$145
CheaperTypical $176Pricier

Pricier than 30% of homes nearby

Living area1,209 ft²
SmallerTypical 1,410 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.26 ac
SmallerTypical 1.5 acBigger

Bigger than 22% of homes nearby

Year built1890
OlderTypical 1969Newer

Newer than 12% of homes nearby

How 38 Cottage St ranks against every home in each area.
MeasureThis homeHardwick 05843Caledonia County
Estimated valuepricier than$175,82020% of homes15% of homes
Price per ft²pricier than$14530% of homes21% of homes
Living areabigger than1,209 ft²33% of homes34% of homes
Lot sizebigger than0.26 ac22% of homes11% of homes
Year builtnewer than189012% of homes15% of homes

About 38 Cottage St

How much is 38 Cottage St, Hardwick, VT worth?

The TopHap Estimate for 38 Cottage St, Hardwick, VT is $175,820 as of Jul 14, 2026. The likely range is $146,014 to $205,626. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Cottage St, Hardwick, VT last sell?

38 Cottage St, Hardwick, VT last sold on Mar 15, 2011 for $32,500, according to the county's recorded deed.

How big is 38 Cottage St, Hardwick, VT?

38 Cottage St, Hardwick, VT has 3 bedrooms, 1.5 bathrooms, 1,209 square feet of living space and a 0.26-acre lot.

When was 38 Cottage St, Hardwick, VT built?

38 Cottage St, Hardwick, VT was built in 1890, making it 136 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 38 Cottage St, Hardwick, VT?

38 Cottage St, Hardwick, VT is assigned to Hazen Union High School (high), rated B-. All sit in Hazen Union High School District 26. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Cottage St, Hardwick, VT compare to other homes in Hardwick 05843?

Among the 1,132 homes in Hardwick 05843, it is worth more than 20% of them ($175,820 against a typical $253,598), its price per square foot is higher than 30% of them ($145 against a typical $176), it is bigger than 33% of them (1,209 ft² against a typical 1,410 ft²), its lot is bigger than 22% of them (0.26 ac against a typical 1.5 ac) and it is newer than 12% of them (1890 against a typical 1969). Measured against all of Caledonia County, it is worth more than 15% 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 38 Cottage St, Hardwick, VT?

The 2025 property tax bill for 38 Cottage St, Hardwick, VT was $1,953. The county assessed it at $156,700.

Closest homes

More homes in Hardwick 05843

Assigned schools

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