Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$987,150$278 / 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 Jul 14, 2026
Last sold for $339,000 on Dec 27, 1993

495 SPEAR ST

SOUTH BURLINGTON, VT 05403
4
Beds
3.5
Baths
3,553 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.
0.98 ac
Lot SizeThe size of the land the home sits on, from county records.
1888
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$987K
$838K 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.$339,000 · Dec 27, 1993
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.$743,150
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$594,520
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.31%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$244,000
MORTGAGE FINANCIAL SVCS INC · recorded May 8, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,765 (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.$685,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$105,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$579,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$685,100

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.29
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
52
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyCHITTENDEN
Lot (acres)The size of the land the home sits on, from county records.0.98
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Steam
FireplaceWhether the home has a fireplace, and what kind.Yes
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(1)

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
Frederick H. Tuttle Middle SchoolA+
Middle · Grades 6–8 · 0.7 mi
H
South Burlington High SchoolA+
High · Grades 9–12 · 0.7 mi
E
Orchard SchoolA
Elementary · Grades PK–5 · 1.7 mi

District: South Burlington School District

Neighborhood · ZIP 05403These 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.92
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 100.96

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.38%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.2%
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.19,965
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,192 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$98,551
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,891
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.37 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

495 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 95% of homes in South Burlington 05403
  • Costs less per square foot than 67% of homes in Chittenden County
  • Bigger than 97% of homes in South Burlington 05403
  • Has a bigger lot than 96% of homes in South Burlington 05403
  • Among the oldest homes in South Burlington 05403

What homes are worth in South Burlington 05403

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

This home
$247K$1.2M

This home is worth more than 95% of homes in South Burlington 05403.

How it measures up in South Burlington 05403

The dot is this home. The mark in the middle is the typical home in South Burlington 05403.

Estimated value$987,150
CheaperTypical $470,181Pricier

Pricier than 95% of homes nearby

Price per ft²$278
CheaperTypical $297Pricier

Pricier than 35% of homes nearby

Living area3,553 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.98 ac
SmallerTypical 0.23 acBigger

Bigger than 96% of homes nearby

Year built1888
OlderTypical 1983Newer

Older than almost all homes nearby

How 495 Spear St ranks against every home in each area.
MeasureThis homeSouth Burlington 05403Chittenden County
Estimated valuepricier than$987,15095% of homes94% of homes
Price per ft²pricier than$27835% of homes33% of homes
Living areabigger than3,553 ft²97% of homes96% of homes
Lot sizebigger than0.98 ac96% of homes69% of homes
Year builtnewer than1888almost no homes3% of homes

About 495 Spear St

How much is 495 Spear St, South Burlington, VT worth?

The TopHap Estimate for 495 Spear St, South Burlington, VT is $987,150 as of Jul 14, 2026. The likely range is $838,009 to $1,136,291. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 495 Spear St, South Burlington, VT last sell?

495 Spear St, South Burlington, VT last sold on Dec 27, 1993 for $339,000, according to the county's recorded deed.

How big is 495 Spear St, South Burlington, VT?

495 Spear St, South Burlington, VT has 4 bedrooms, 3.5 bathrooms, 3,553 square feet of living space and a 0.98-acre lot.

When was 495 Spear St, South Burlington, VT built?

495 Spear St, South Burlington, VT was built in 1888, making it 138 years old. It is a colonial home. The building has 2 stories.

What schools serve 495 Spear St, South Burlington, VT?

495 Spear St, South Burlington, VT is assigned to Frederick H. Tuttle Middle School (middle), rated A+; South Burlington High School (high), rated A+; Orchard School (elementary), rated A. All sit in South Burlington School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 495 Spear St, South Burlington, VT compare to other homes in South Burlington 05403?

Among the 7,244 homes in South Burlington 05403, it is worth more than 95% of them ($987,150 against a typical $470,181), its price per square foot is higher than 35% of them ($278 against a typical $297), it is bigger than 97% of them (3,553 ft² against a typical 1,536 ft²), its lot is bigger than 96% of them (0.98 ac against a typical 0.23 ac) and it is newer than almost none of them (1888 against a typical 1983). 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 495 Spear St, South Burlington, VT?

The 2025 property tax bill for 495 Spear St, South Burlington, VT was $10,765. The county assessed it at $685,100.

Closest homes

More homes in South Burlington 05403

Assigned schools

Explore the area

See this home in context

Open 495 Spear St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map