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Single Family ResidenceResidential
$1,001,195$291 / 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 85How 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 $980,000 on Sep 10, 2025

3888 SPEAR ST

CHARLOTTE, VT 05445
3
Beds
3.5
Baths
3,440 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.
4.73 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1M
$855K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$980,000 · Sep 10, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,760 (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.$1,003,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$284,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$719,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$999,500

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.
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.
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
CountyCHITTENDEN
Lot (acres)The size of the land the home sits on, from county records.4.73
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Radiant
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 · 2.2 mi
H
Champlain Valley Union High SchoolA+
High · Grades 9–12 · 4.7 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

3888 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 more than 94% of homes in Chittenden County
  • Costs less per square foot than 86% of homes in Charlotte 05445
  • Bigger than 96% of homes in Chittenden County
  • Has a bigger lot than 83% of homes in Chittenden County
  • Among the newest homes in Chittenden County

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 62% 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$1,001,195
CheaperTypical $885,772Pricier

Pricier than 62% of homes nearby

Price per ft²$291
CheaperTypical $397Pricier

Pricier than 14% of homes nearby

Living area3,440 ft²
SmallerTypical 2,296 ft²Bigger

Bigger than 83% of homes nearby

Lot size4.73 ac
SmallerTypical 5 acBigger

Bigger than 48% of homes nearby

Year built2021
OlderTypical 1982Newer

Newer than 98% of homes nearby

How 3888 Spear St ranks against every home in each area.
MeasureThis homeCharlotte 05445Chittenden County
Estimated valuepricier than$1,001,19562% of homes94% of homes
Price per ft²pricier than$29114% of homes36% of homes
Living areabigger than3,440 ft²83% of homes96% of homes
Lot sizebigger than4.73 ac48% of homes83% of homes
Year builtnewer than202198% of homesalmost all homes

About 3888 Spear St

How much is 3888 Spear St, Charlotte, VT worth?

The TopHap Estimate for 3888 Spear St, Charlotte, VT is $1,001,195 as of Oct 21, 2026. The likely range is $854,572 to $1,147,818. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3888 Spear St, Charlotte, VT last sell?

3888 Spear St, Charlotte, VT last sold on Sep 10, 2025 for $980,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3888 Spear St, Charlotte, VT?

3888 Spear St, Charlotte, VT has 3 bedrooms, 3.5 bathrooms, 3,440 square feet of living space and a 4.73-acre lot.

When was 3888 Spear St, Charlotte, VT built?

3888 Spear St, Charlotte, VT was built in 2021, making it 5 years old. The building has 2 stories.

What schools serve 3888 Spear St, Charlotte, VT?

3888 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 3888 Spear St, Charlotte, VT compare to other homes in Charlotte 05445?

Among the 1,685 homes in Charlotte 05445, it is worth more than 62% of them ($1,001,195 against a typical $885,772), its price per square foot is higher than 14% of them ($291 against a typical $397), it is bigger than 83% of them (3,440 ft² against a typical 2,296 ft²), its lot is bigger than 48% of them (4.73 ac against a typical 5 ac) and it is newer than 98% of them (2021 against a typical 1982). Measured against all of Chittenden County, it is worth more than 94% 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 3888 Spear St, Charlotte, VT?

The 2025 property tax bill for 3888 Spear St, Charlotte, VT was $12,760. The county assessed it at $1,003,100.

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