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Single Family ResidenceResidential
$383,774
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 Jul 14, 2026
Last sold for $305,000 on Jan 19, 2022

646 VT ROUTE 15

UNDERHILL, VT 05489
0
Baths
4.28 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$384K
$352K low$415K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$305,000 · Jan 19, 2022
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.$383,774
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$307,019

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$295,900 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$119,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$176,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$295,900

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.43
60
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
11
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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyChittenden
Lot (acres)The size of the land the home sits on, from county records.4.28
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Neighborhood · ZIP 05489These 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.81
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 100.90

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
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.3,803
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.61 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$104,355
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$122,671
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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

646 Vt Route 15 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 less than 87% of homes in Underhill 05489
  • Has a bigger lot than 86% of homes in Chittenden County

What homes are worth in Underhill 05489

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

This home
$261K$1.1M

This home is worth more than 13% of homes in Underhill 05489.

How it measures up in Underhill 05489

The dot is this home. The mark in the middle is the typical home in Underhill 05489.

Estimated value$383,774
CheaperTypical $550,000Pricier

Pricier than 13% of homes nearby

Lot size4.28 ac
SmallerTypical 5.2 acBigger

Bigger than 41% of homes nearby

How 646 Vt Route 15 ranks against every home in each area.
MeasureThis homeUnderhill 05489Chittenden County
Estimated valuepricier than$383,77413% of homes23% of homes
Lot sizebigger than4.28 ac41% of homes86% of homes

About 646 Vt Route 15

How much is 646 Vt Route 15, Underhill, VT worth?

The TopHap Estimate for 646 Vt Route 15, Underhill, VT is $383,774 as of Jul 14, 2026. The likely range is $352,057 to $415,491. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Vt Route 15, Underhill, VT last sell?

646 Vt Route 15, Underhill, VT last sold on Jan 19, 2022 for $305,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How does 646 Vt Route 15, Underhill, VT compare to other homes in Underhill 05489?

Among the 1,265 homes in Underhill 05489, it is worth more than 13% of them ($383,774 against a typical $550,000) and its lot is bigger than 41% of them (4.28 ac against a typical 5.2 ac). Measured against all of Chittenden County, it is worth more than 23% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Underhill 05489

Explore the area

See this home in context

Open 646 Vt Route 15 on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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