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Single Family ResidenceResidential
$414,549$316 / 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 Sep 24, 2026
Last sold for $62,850 on May 28, 2004

641 CROSS RD

WATERFORD, VT 05819
3
Beds
2
Baths
1,312 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.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$415K
$381K low$448K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$62,850 · May 28, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,445 (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.$376,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$47,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$328,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$226,600

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.36
38
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.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
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.65 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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.Ranch
CountyCALEDONIA
Lot (acres)The size of the land the home sits on, from county records.5.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Steam
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(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
Waterford SchoolB-
Elementary · Grades PK–8 · 1.0 mi
H
St. Johnsbury Academy
High · Grades 9–12 · 4.7 mi

Neighborhood · ZIP 05819These 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.105
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 100.82

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.18%
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.0.9%
PopulationHow many people live in this area.9,232
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.102 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,451
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,776
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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

641 Cross Rd 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 77% of homes in Saint Johnsbury 05819
  • Costs more per square foot than 91% of homes in Saint Johnsbury 05819
  • Smaller than 67% of homes in Saint Johnsbury 05819
  • Has a bigger lot than 74% of homes in Saint Johnsbury 05819
  • Newer than 91% of homes in Saint Johnsbury 05819

What homes are worth in Saint Johnsbury 05819

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

This home
$115K$707K

This home is worth more than 77% of homes in Saint Johnsbury 05819.

How it measures up in Saint Johnsbury 05819

The dot is this home. The mark in the middle is the typical home in Saint Johnsbury 05819.

Estimated value$414,549
CheaperTypical $299,759Pricier

Pricier than 77% of homes nearby

Price per ft²$316
CheaperTypical $203Pricier

Pricier than 91% of homes nearby

Living area1,312 ft²
SmallerTypical 1,598 ft²Bigger

Bigger than 33% of homes nearby

Lot size5 ac
SmallerTypical 1 acBigger

Bigger than 74% of homes nearby

Year built2002
OlderTypical 1959Newer

Newer than 91% of homes nearby

How 641 Cross Rd ranks against every home in each area.
MeasureThis homeSaint Johnsbury 05819Caledonia County
Estimated valuepricier than$414,54977% of homes75% of homes
Price per ft²pricier than$31691% of homes84% of homes
Living areabigger than1,312 ft²33% of homes40% of homes
Lot sizebigger than5 ac74% of homes57% of homes
Year builtnewer than200291% of homes84% of homes

About 641 Cross Rd

How much is 641 Cross Rd, Waterford, VT worth?

The TopHap Estimate for 641 Cross Rd, Waterford, VT is $414,549 as of Sep 24, 2026. The likely range is $380,702 to $448,396. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 641 Cross Rd, Waterford, VT last sell?

641 Cross Rd, Waterford, VT last sold on May 28, 2004 for $62,850, according to the county's recorded deed.

How big is 641 Cross Rd, Waterford, VT?

641 Cross Rd, Waterford, VT has 3 bedrooms, 2 bathrooms, 1,312 square feet of living space and a 5.00-acre lot.

When was 641 Cross Rd, Waterford, VT built?

641 Cross Rd, Waterford, VT was built in 2002, making it 24 years old. It is a ranch home.

What schools serve 641 Cross Rd, Waterford, VT?

641 Cross Rd, Waterford, VT is assigned to Waterford School (elementary), rated B-; St. Johnsbury Academy (high). Attendance boundaries change — confirm with the district before relying on an assignment.

How does 641 Cross Rd, Waterford, VT compare to other homes in Saint Johnsbury 05819?

Among the 3,143 homes in Saint Johnsbury 05819, it is worth more than 77% of them ($414,549 against a typical $299,759), its price per square foot is higher than 91% of them ($316 against a typical $203), it is bigger than 33% of them (1,312 ft² against a typical 1,598 ft²), its lot is bigger than 74% of them (5 ac against a typical 1 ac) and it is newer than 91% of them (2002 against a typical 1959). Measured against all of Caledonia County, it is worth more than 75% 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 641 Cross Rd, Waterford, VT?

The 2025 property tax bill for 641 Cross Rd, Waterford, VT was $4,445. The county assessed it at $376,300.

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Assigned schools

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