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Single Family ResidenceResidential
$532,238$262 / 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 92How 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 $278,000 on Sep 14, 2009

492 SETTLERS WAY

DERBY, VT 05829
3
Beds
2 / 1
Baths
2,035 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.
23.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
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

$532K
$489K low$575K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$278,000 · Sep 14, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,752 (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.$252,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$71,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$180,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$252,100

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.30
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
49
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyORLEANS
Lot (acres)The size of the land the home sits on, from county records.23.90
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.

M
North Country Union Junior High SchoolC-
Middle · Grades 7–8 · 3.4 mi
E
Derby Elementary SchoolB
Elementary · Grades PK–6 · 4.2 mi
H
North Country Union High SchoolC+
High · Grades 9–12 · 6.9 mi

District: Derby School District

Neighborhood · ZIP 05829These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.1,562
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.60 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,315
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,372
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

492 Settlers Way 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 87% of homes in Orleans County
  • Costs more per square foot than 65% of homes in Orleans County
  • Bigger than 81% of homes in Orleans County
  • Has a bigger lot than 89% of homes in Derby 05829
  • Newer than 70% of homes in Derby 05829

What homes are worth in Derby 05829

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

This home
$101K$899K

This home is worth more than 85% of homes in Derby 05829.

How it measures up in Derby 05829

The dot is this home. The mark in the middle is the typical home in Derby 05829.

Estimated value$532,238
CheaperTypical $318,941Pricier

Pricier than 85% of homes nearby

Price per ft²$262
CheaperTypical $245Pricier

Pricier than 59% of homes nearby

Living area2,035 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 78% of homes nearby

Lot size23.9 ac
SmallerTypical 1.44 acBigger

Bigger than 89% of homes nearby

Year built1992
OlderTypical 1978Newer

Newer than 70% of homes nearby

How 492 Settlers Way ranks against every home in each area.
MeasureThis homeDerby 05829Orleans County
Estimated valuepricier than$532,23885% of homes87% of homes
Price per ft²pricier than$26259% of homes65% of homes
Living areabigger than2,035 ft²78% of homes81% of homes
Lot sizebigger than23.9 ac89% of homes85% of homes
Year builtnewer than199270% of homes70% of homes

About 492 Settlers Way

How much is 492 Settlers Way, Derby, VT worth?

The TopHap Estimate for 492 Settlers Way, Derby, VT is $532,238 as of Aug 30, 2026. The likely range is $489,369 to $575,107. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 492 Settlers Way, Derby, VT last sell?

492 Settlers Way, Derby, VT last sold on Sep 14, 2009 for $278,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 492 Settlers Way, Derby, VT?

492 Settlers Way, Derby, VT has 3 bedrooms, 2 bathrooms, 2,035 square feet of living space and a 23.90-acre lot.

When was 492 Settlers Way, Derby, VT built?

492 Settlers Way, Derby, VT was built in 1992, making it 34 years old. It is a conventional home. The building has 2 stories.

What schools serve 492 Settlers Way, Derby, VT?

492 Settlers Way, Derby, VT is assigned to North Country Union Junior High School (middle), rated C-; Derby Elementary School (elementary), rated B; North Country Union High School (high), rated C+. All sit in Derby School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 492 Settlers Way, Derby, VT compare to other homes in Derby 05829?

Among the 1,121 homes in Derby 05829, it is worth more than 85% of them ($532,238 against a typical $318,941), its price per square foot is higher than 59% of them ($262 against a typical $245), it is bigger than 78% of them (2,035 ft² against a typical 1,344 ft²), its lot is bigger than 89% of them (23.9 ac against a typical 1.44 ac) and it is newer than 70% of them (1992 against a typical 1978). Measured against all of Orleans County, it is worth more than 87% 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 492 Settlers Way, Derby, VT?

The 2025 property tax bill for 492 Settlers Way, Derby, VT was $3,752. The county assessed it at $252,100.

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