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Single Family ResidenceResidential
$450,680$124 / 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 95How 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 $380,000 on Dec 26, 2019

40 CONGRESS ST

SAINT ALBANS, VT 05478
5
Beds
3 / 1
Baths
3,636 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$451K
$428K low$473K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$380,000 · Dec 26, 2019
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.$450,680
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$360,544

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,711 (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.$539,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$78,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$461,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$278,900

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.29
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyFRANKLIN
Lot (acres)The size of the land the home sits on, from county records.0.32
RoofThe main material covering the roof, such as asphalt shingle or tile.Slate
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

H
Bellows Free AcademyC+
High · Grades 9–12 · 0.4 mi
E
St. Albans City Elementary SchoolD+
Elementary · Grades PK–8 · 0.7 mi

District: Maple Run Unified School District

Neighborhood · ZIP 05478These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.114

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.14,695
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.255 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,843
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,501
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.38 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

40 Congress 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 71% of homes in Franklin County
  • Costs less per square foot than 97% of homes in Saint Albans 05478
  • Bigger than 98% of homes in Saint Albans 05478
  • Has a smaller lot than 82% of homes in Franklin County
  • Older than 75% of homes in Franklin County

What homes are worth in Saint Albans 05478

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

This home
$178K$785K

This home is worth more than 68% of homes in Saint Albans 05478.

How it measures up in Saint Albans 05478

The dot is this home. The mark in the middle is the typical home in Saint Albans 05478.

Estimated value$450,680
CheaperTypical $381,119Pricier

Pricier than 68% of homes nearby

Price per ft²$124
CheaperTypical $249Pricier

Pricier than 3% of homes nearby

Living area3,636 ft²
SmallerTypical 1,496 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.32 ac
SmallerTypical 0.5 acBigger

Bigger than 32% of homes nearby

Year built1930
OlderTypical 1972Newer

Newer than 30% of homes nearby

How 40 Congress St ranks against every home in each area.
MeasureThis homeSaint Albans 05478Franklin County
Estimated valuepricier than$450,68068% of homes71% of homes
Price per ft²pricier than$1243% of homes6% of homes
Living areabigger than3,636 ft²98% of homes98% of homes
Lot sizebigger than0.32 ac32% of homes18% of homes
Year builtnewer than193030% of homes25% of homes

About 40 Congress St

How much is 40 Congress St, Saint Albans, VT worth?

The TopHap Estimate for 40 Congress St, Saint Albans, VT is $450,680 as of Jul 14, 2026. The likely range is $428,490 to $472,870. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Congress St, Saint Albans, VT last sell?

40 Congress St, Saint Albans, VT last sold on Dec 26, 2019 for $380,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 40 Congress St, Saint Albans, VT?

40 Congress St, Saint Albans, VT has 5 bedrooms, 3 bathrooms, 3,636 square feet of living space and a 0.32-acre lot.

When was 40 Congress St, Saint Albans, VT built?

40 Congress St, Saint Albans, VT was built in 1930, making it 96 years old. The building has 2 stories.

What schools serve 40 Congress St, Saint Albans, VT?

40 Congress St, Saint Albans, VT is assigned to Bellows Free Academy (high), rated C+; St. Albans City Elementary School (elementary), rated D+. All sit in Maple Run Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Congress St, Saint Albans, VT compare to other homes in Saint Albans 05478?

Among the 5,689 homes in Saint Albans 05478, it is worth more than 68% of them ($450,680 against a typical $381,119), its price per square foot is higher than 3% of them ($124 against a typical $249), it is bigger than 98% of them (3,636 ft² against a typical 1,496 ft²), its lot is bigger than 32% of them (0.32 ac against a typical 0.5 ac) and it is newer than 30% of them (1930 against a typical 1972). Measured against all of Franklin County, it is worth more than 71% 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 40 Congress St, Saint Albans, VT?

The 2025 property tax bill for 40 Congress St, Saint Albans, VT was $6,711. The county assessed it at $539,700.

Closest homes

More homes in Saint Albans 05478

Assigned schools

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