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Single Family ResidenceResidential
$2,248,572$405 / 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 91How 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

42 SPRUCE LN

LUDLOW, VT 05149
5
Beds
4.5
Baths
5,550 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.
1.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$2.2M
$2M low$2.5M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$22,205 (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.$1,202,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$340,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$862,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,202,800

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.45
68
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
48
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Contemporary
CountyWINDSOR
Lot (acres)The size of the land the home sits on, from county records.1.20
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.Shingle
HeatingThe type of heating system in the home.Radiant
FireplaceWhether the home has a fireplace, and what kind.Yes
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

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.

E
Ludlow Elementary SchoolB
Elementary · Grades PK–6 · 3.2 mi
H
Woodstock Union Middle / High SchoolA
High · Grades 7–12 · 13.9 mi
M
Riverside Middle SchoolF
Middle · Grades 6–8 · 13.9 mi

District: Windsor Central Unified Union School District

Neighborhood · ZIP 05149These 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.180
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.34%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
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.2,307
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.53 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,687
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,230
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

42 Spruce Ln 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.

  • Among the most valuable homes in Windsor County
  • Costs more per square foot than 84% of homes in Windsor County
  • Among the largest homes in Windsor County
  • Newer than 95% of homes in Windsor County

What homes are worth in Ludlow 05149

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

This home
$177K$2.7M

This home is worth more than 97% of homes in Ludlow 05149.

How it measures up in Ludlow 05149

The dot is this home. The mark in the middle is the typical home in Ludlow 05149.

Estimated value$2,248,572
CheaperTypical $615,765Pricier

Pricier than 97% of homes nearby

Price per ft²$405
CheaperTypical $347Pricier

Pricier than 63% of homes nearby

Living area5,550 ft²
SmallerTypical 1,754 ft²Bigger

Bigger than 98% of homes nearby

Lot size1.2 ac
SmallerTypical 1.4 acBigger

Bigger than 47% of homes nearby

Year built2008
OlderTypical 1985Newer

Newer than 94% of homes nearby

How 42 Spruce Ln ranks against every home in each area.
MeasureThis homeLudlow 05149Windsor County
Estimated valuepricier than$2,248,57297% of homesalmost all homes
Price per ft²pricier than$40563% of homes84% of homes
Living areabigger than5,550 ft²98% of homesalmost all homes
Lot sizebigger than1.2 ac47% of homes39% of homes
Year builtnewer than200894% of homes95% of homes

About 42 Spruce Ln

How much is 42 Spruce Ln, Ludlow, VT worth?

The TopHap Estimate for 42 Spruce Ln, Ludlow, VT is $2,248,572 as of Oct 21, 2026. The likely range is $2,039,607 to $2,457,537. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 42 Spruce Ln, Ludlow, VT last sell?

42 Spruce Ln, Ludlow, VT last sold on Oct 9, 2018, according to the county's recorded deed.

How big is 42 Spruce Ln, Ludlow, VT?

42 Spruce Ln, Ludlow, VT has 5 bedrooms, 4.5 bathrooms, 5,550 square feet of living space and a 1.20-acre lot.

When was 42 Spruce Ln, Ludlow, VT built?

42 Spruce Ln, Ludlow, VT was built in 2008, making it 18 years old. It is a contemporary home. The building has 2 stories.

What schools serve 42 Spruce Ln, Ludlow, VT?

42 Spruce Ln, Ludlow, VT is assigned to Ludlow Elementary School (elementary), rated B; Woodstock Union Middle / High School (high), rated A; Riverside Middle School (middle), rated F. All sit in Windsor Central Unified Union School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 42 Spruce Ln, Ludlow, VT compare to other homes in Ludlow 05149?

Among the 3,324 homes in Ludlow 05149, it is worth more than 97% of them ($2,248,572 against a typical $615,765), its price per square foot is higher than 63% of them ($405 against a typical $347), it is bigger than 98% of them (5,550 ft² against a typical 1,754 ft²), its lot is bigger than 47% of them (1.2 ac against a typical 1.4 ac) and it is newer than 94% of them (2008 against a typical 1985). Measured against all of Windsor County, it is worth more than almost all 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 42 Spruce Ln, Ludlow, VT?

The 2025 property tax bill for 42 Spruce Ln, Ludlow, VT was $22,205. The county assessed it at $1,202,800.

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