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Single Family ResidenceResidential
$1,247,685$249 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $477,000 on Nov 21, 2016

86 SPEAR ST

CHARLOTTE, VT 05445
3
Beds
3.5
Baths
5,007 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.
11.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.2M
$1.1M low$1.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$477,000 · Nov 21, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,378 (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.$825,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$323,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$501,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$825,500

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.
22
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.
83
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
CountyCHITTENDEN
Lot (acres)The size of the land the home sits on, from county records.11.80
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Steam
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
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.

E
Charlotte Central SchoolA+
Elementary · Grades PK–8 · 3.3 mi
H
Champlain Valley Union High SchoolA+
High · Grades 9–12 · 4.4 mi

District: Champlain Valley Unified School District

Neighborhood · ZIP 05445These 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.85
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.97

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.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.5%
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.3,430
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.83 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$127,877
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$168,138
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.36 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

86 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 97% of homes in Chittenden County
  • Costs less per square foot than 94% of homes in Charlotte 05445
  • Among the largest homes in Chittenden County
  • Has a bigger lot than 92% of homes in Chittenden County
  • Older than 92% of homes in Chittenden County

What homes are worth in Charlotte 05445

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

This home
$403K$2.9M

This home is worth more than 79% of homes in Charlotte 05445.

How it measures up in Charlotte 05445

The dot is this home. The mark in the middle is the typical home in Charlotte 05445.

Estimated value$1,247,685
CheaperTypical $885,772Pricier

Pricier than 79% of homes nearby

Price per ft²$249
CheaperTypical $397Pricier

Pricier than 6% of homes nearby

Living area5,007 ft²
SmallerTypical 2,296 ft²Bigger

Bigger than 97% of homes nearby

Lot size11.8 ac
SmallerTypical 5 acBigger

Bigger than 79% of homes nearby

Year built1900
OlderTypical 1982Newer

Newer than 14% of homes nearby

How 86 Spear St ranks against every home in each area.
MeasureThis homeCharlotte 05445Chittenden County
Estimated valuepricier than$1,247,68579% of homes97% of homes
Price per ft²pricier than$2496% of homes14% of homes
Living areabigger than5,007 ft²97% of homesalmost all homes
Lot sizebigger than11.8 ac79% of homes92% of homes
Year builtnewer than190014% of homes8% of homes

About 86 Spear St

How much is 86 Spear St, Charlotte, VT worth?

The TopHap Estimate for 86 Spear St, Charlotte, VT is $1,247,685 as of Oct 21, 2026. The likely range is $1,110,882 to $1,384,488. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 86 Spear St, Charlotte, VT last sell?

86 Spear St, Charlotte, VT last sold on Nov 21, 2016 for $477,000, according to the county's recorded deed.

How big is 86 Spear St, Charlotte, VT?

86 Spear St, Charlotte, VT has 3 bedrooms, 3.5 bathrooms, 5,007 square feet of living space and a 11.80-acre lot.

When was 86 Spear St, Charlotte, VT built?

86 Spear St, Charlotte, VT was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 86 Spear St, Charlotte, VT?

86 Spear St, Charlotte, VT is assigned to Charlotte Central School (elementary), rated A+; Champlain Valley Union High School (high), rated A+. All sit in Champlain Valley Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 86 Spear St, Charlotte, VT compare to other homes in Charlotte 05445?

Among the 1,685 homes in Charlotte 05445, it is worth more than 79% of them ($1,247,685 against a typical $885,772), its price per square foot is higher than 6% of them ($249 against a typical $397), it is bigger than 97% of them (5,007 ft² against a typical 2,296 ft²), its lot is bigger than 79% of them (11.8 ac against a typical 5 ac) and it is newer than 14% of them (1900 against a typical 1982). Measured against all of Chittenden County, it is worth more than 97% 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 86 Spear St, Charlotte, VT?

The 2025 property tax bill for 86 Spear St, Charlotte, VT was $10,378. The county assessed it at $825,500.

More homes on Spear St

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