Charlotte Town property record for 7108 Spear St, Charlotte, VT 05445
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,280 sqft · built 1989 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | Trust Name on File |
| Last Sale | $415,000 (Jul 2021) |
| Tax Bill | $6,213 (2025) |
| Deeds & Mortgages | Jul 2021 Sale Apr 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | (043) 00002-7108 |
| Primary APN | (043) 00002-7108 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Living Area |
| Basement Area | 640 sqft |
| Finished Basement | 640 sqft |
| Unfinished Basement | 414 sqft |
| Game Room | Game Room |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood Siding |
| Roof Material | Shingle |
| Lot Area | 218,236 sqft (5.01 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|
| Street Address | 7108 SPEAR ST |
|---|---|
| City | CHARLOTTE |
| State | VT |
| Zip | 05445-8230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5.01 ACRES & DWL: |
| Jurisdiction | CHARLOTTE TWP VT |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 3501 |
7108 Spear St is owner-occupied and held in a trust since July 2021.
Source: Charlotte Town records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 7108 SPEAR ST, CHARLOTTE, VT 05445-8230 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed, Transfer |
| Apr 10, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2021 · Amount on File |
| Deed Sale | Jul 19, 2021 · Amount on File |
| Prior Sale | Jun 2, 2016 · Amount on File |
| Deed Document Number | 2021DK1490357312 |
| Prior Transfer Date | Apr 5, 2017 |
| Prior Transfer Doc | 1497687168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLOTTE TWP VT |
| Recording Date | Jul 19, 2021 |
| Property Address | 7108 SPEAR ST, CHARLOTTE, VT 05445-8230 |
| Document Number | DK1490357312 |
| Instrument Date | Jul 15, 2021 |
| Instrument | DK1490357312 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $5.06 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 145 CARTRIGHT ST, 145, DANIEL ISLAND, SC 29492-7695 |
| Name | Verified Name |
|---|---|
| Address | 7108 SPEAR ST, CHARLOTTE, VT 05445-8230 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLOTTE TWP VT |
| Recording Date | Apr 10, 2017 |
| Property Address | 7108 SPEAR ST, CHARLOTTE, VT 05445-8230 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 7108 SPEAR ST CHARLOTTE VT 054458230, CHARLOTTE, VT 05445-8230 |
The 2025 property tax bill for 7108 Spear St was $6,213 with a homeowner's exemption, down 7.4% 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 | $6,213.00 (-7.41%) | $494,200 Land $230,100 Building $264,100 |
| 2024 | $6,710.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 7108 Spear St 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 risk around 7108 Spear St 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.
Source: FCC Broadband Data Collection, based on 16 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 |
4G LTE (outdoors only), no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures