Charlotte Town property record for 650 Flat Rock Rd, Charlotte, VT 05445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,190 sqft · built 1931 |
| Lot Size | 0.596 acres (25,969 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $2,102 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | (043) 00025-0650 |
| Primary APN | (043) 00025-0650 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,190 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Architectural Style | Rustic |
| Exterior Material | Wood Siding |
| Roof Material | Shingle |
| Lot Area | 25,969 sqft (0.596 acres) |
| Deck Area | Deck Area |
| Street Address | 650 FLAT ROCK RD |
|---|---|
| City | CHARLOTTE |
| State | VT |
| Zip | 05445-9474 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 108 & 107 & CAMP: |
| Jurisdiction | CHARLOTTE TWP VT |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 3501 |
650 Flat Rock Rd is held in a trust since April 2009.
Source: Charlotte Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4 ELSOM PKWY, SOUTH BURLINGTON, VT 05403-6605 |
| Owner Type | Individual |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 24, 2009 |
| Transfer Doc | 179-42 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 650 Flat Rock Rd was $2,102, 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 | $2,102.00 (-12.74%) | $159,000 (-) Building $159,000 |
| 2024 | $2,409.00 | $159,000 Building $159,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 650 Flat Rock Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 650 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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