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Single Family ResidenceResidential
$288,870$229 / 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 Jul 14, 2026

653 COBBLE RD

MIDDLEBURY, VT 05753
3
Beds
2
Baths
1,264 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.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
1974
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$289K
$262K low$315K high
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.$248,870
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$199,096
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.13%
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.$40,000
VERMONT FCU · recorded Oct 6, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,745 (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.$205,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$72,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$133,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$205,400

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.33
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
82
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
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
CountyADDISON
Lot (acres)The size of the land the home sits on, from county records.2.00
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(5)

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 05753These 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.78
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.85

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.4%
PopulationHow many people live in this area.11,090
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.123 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,979
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$108,453
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.38 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.Yes

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

653 Cobble 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 less than 86% of homes in Middlebury 05753
  • Costs less per square foot than 68% of homes in Middlebury 05753
  • Smaller than 72% of homes in Middlebury 05753

What homes are worth in Middlebury 05753

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

This home
$187K$1.2M

This home is worth more than 14% of homes in Middlebury 05753.

How it measures up in Middlebury 05753

The dot is this home. The mark in the middle is the typical home in Middlebury 05753.

Estimated value$288,870
CheaperTypical $438,724Pricier

Pricier than 14% of homes nearby

Price per ft²$229
CheaperTypical $260Pricier

Pricier than 32% of homes nearby

Living area1,264 ft²
SmallerTypical 1,616 ft²Bigger

Bigger than 28% of homes nearby

Lot size2 ac
SmallerTypical 1.03 acBigger

Bigger than 61% of homes nearby

Year built1974
OlderTypical 1974Newer

Newer than 51% of homes nearby

How 653 Cobble Rd ranks against every home in each area.
MeasureThis homeMiddlebury 05753Addison County
Estimated valuepricier than$288,87014% of homes21% of homes
Price per ft²pricier than$22932% of homes37% of homes
Living areabigger than1,264 ft²28% of homes32% of homes
Lot sizebigger than2 ac61% of homes44% of homes
Year builtnewer than197451% of homes44% of homes

About 653 Cobble Rd

How much is 653 Cobble Rd, Middlebury, VT worth?

The TopHap Estimate for 653 Cobble Rd, Middlebury, VT is $288,870 as of Jul 14, 2026. The likely range is $262,297 to $315,443. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 653 Cobble Rd, Middlebury, VT last sell?

653 Cobble Rd, Middlebury, VT last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 653 Cobble Rd, Middlebury, VT?

653 Cobble Rd, Middlebury, VT has 3 bedrooms, 2 bathrooms, 1,264 square feet of living space and a 2.00-acre lot.

When was 653 Cobble Rd, Middlebury, VT built?

653 Cobble Rd, Middlebury, VT was built in 1974, making it 52 years old. The building has 1 story.

How does 653 Cobble Rd, Middlebury, VT compare to other homes in Middlebury 05753?

Among the 3,041 homes in Middlebury 05753, it is worth more than 14% of them ($288,870 against a typical $438,724), its price per square foot is higher than 32% of them ($229 against a typical $260), it is bigger than 28% of them (1,264 ft² against a typical 1,616 ft²), its lot is bigger than 61% of them (2 ac against a typical 1.03 ac) and it is newer than 51% of them (1974 against a typical 1974). Measured against all of Addison County, it is worth more than 21% 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 653 Cobble Rd, Middlebury, VT?

The 2025 property tax bill for 653 Cobble Rd, Middlebury, VT was $3,745. The county assessed it at $205,400.

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