4598 Mount Philo Rd, Charlotte, VT 05445 Property Records

Charlotte Town property record for 4598 Mount Philo Rd, Charlotte, VT 05445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,368 sqft · built 1975
Lot Size	10.1 acres (439,956 sqft)
Owner	Company Name on File
Last Sale	$285,000 (Aug 2003)
Tax Bill	$9,423 (2025)
Flood Zone	Zone X (minimal risk)
APN	`(043) 00027-4598`

Property Details

APN / Parcel Number

Primary APN	`(043) 00027-4598`
Alternative APNs	`138-043-11223` `M00027 B:4598`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
Basement Area	1,104 sqft
Finished Basement	1,272 sqft
Unfinished Basement	608 sqft
Game Room	Game Room

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Roof Material	Shingle
Lot Area	439,956 sqft (10.1 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4598 MT PHILO RD
City	CHARLOTTE
State	VT
Zip	05445-9346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10.1 ACRES & DWL:
Jurisdiction	CHARLOTTE TWP VT
Township / Civil Division	CHARLOTTE
Census Block Group	1
Census Block	1021
Census Tract	3501

Owner

4598 Mount Philo Rd is owned by a company that bought it in August 2003.

Source: Charlotte Town records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 489, LA CROSSE, WI 54602-0489
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2003 · Amount on File
Deed Sale	Aug 13, 2003 · Amount on File
Deed Document Number	2003373573
Deed Book / Page	142 / 39
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 4598 Mount Philo Rd was $9,423, down 12.7% from the year before.

Source: Charlotte Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Vermont
County	Chittenden County
County Subdivision	Charlotte Town
Unified School District	Champlain Valley Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,423.00 (-12.73%)	$712,700 Land $455,300 Building $257,400
2024	$10,797.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4598 Mount Philo Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective November 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1993–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2011 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4598 Mount Philo Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 52% of Vermont
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Green Mountain Access Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20