Charlotte Town property record for 496 Flat Rock Rd, Charlotte, VT 05445
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,322 sqft · built 1837 |
| Lot Size | 0.179 acres (7,806 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,432 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Jun 2023 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | (043) 00025-0496 |
| Primary APN | (043) 00025-0496 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,322 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1837 |
|---|---|
| Effective Year Built | Effective 1837 |
| Exterior Material | Wood Siding |
| Roof Material | Shingle |
| Lot Area | 7,806 sqft (0.179 acres) |
| Deck Area | Deck Area |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 496 FLAT ROCK RD |
|---|---|
| City | CHARLOTTE |
| State | VT |
| Zip | 05445-9472 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 46 & CAMP: |
| Jurisdiction | CHARLOTTE TWP VT |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 3501 |
496 Flat Rock Rd is held in a trust since May 2023.
Source: Charlotte Town records, as of October 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2 BAYDEN PATH, PLYMOUTH, MA 02360-1797 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 27, 2025 | Lease, Transfer |
| Jun 12, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 31, 2023 |
| Transfer Doc | 2016138560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Lease |
|---|---|
| Jurisdiction | CHARLOTTE TWP VT |
| Recording Date | Oct 27, 2025 |
| Property Address | 496 FLAT ROCK RD, CHARLOTTE, VT 05445-9472 |
| Document Number | 1068530880 |
| Instrument Date | Oct 22, 2025 |
| Instrument | 1068530880 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $5,716.46 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 907, BURLINGTON, VT 05402-0907 |
| Name | Verified Name |
|---|---|
| Address | 10776 ROUTE 116, HINESBURG, VT 05461-8502 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLOTTE TWP VT |
| Recording Date | Jun 12, 2023 |
| Property Address | 496 FLAT ROCK RD, CHARLOTTE, VT 05445-9472 |
| Document Number | DK2016138560 |
| Instrument Date | May 31, 2023 |
| Instrument | DK2016138560 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97 SOUTH RD, SOUTH BURLINGTON, VT 05403 |
| Name | Verified Name |
|---|---|
| Address | 97 SOUTH RD, SOUTH BURLINGTON, VT 05403 |
The 2025 property tax bill for 496 Flat Rock Rd was $2,432, down 12.7% from the year before.
Source: Charlotte Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Vermont |
| County | Chittenden County |
| County Subdivision | Charlotte Town |
| Unified School District | Champlain Valley Unified School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,432.00 (-12.71%) | $183,900 (-) Building $183,900 |
| 2024 | $2,786.00 | $183,900 Building $183,900 |
| 2022 | $2,136.00 | $116,800 Building $116,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 496 Flat Rock Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 23, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 102.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · rainfall accumulation |
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 risk around 496 Flat Rock Rd is low, with less than 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 93% of the US · lower than 96% of Vermont |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Green Mountain Access.
4G LTE (outdoors only), no 5G reported
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