Charlotte Town property record for 95 Spear St, Charlotte, VT 05445
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 3,266 sqft · built 1900 |
| Lot Size | 7.1 acres (309,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $537,775 (Jul 2016) |
| Tax Bill | $10,024 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | (043) 00002-0095 |
| Primary APN | (043) 00002-0095 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,266 sqft Living Area |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Roof Material | Metal |
| Lot Area | 309,276 sqft (7.1 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|
| Street Address | 95 SPEAR ST |
|---|---|
| City | CHARLOTTE |
| State | VT |
| Zip | 05445-9134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7.1 ACRES & DWL & OUTBLDGS: |
| Jurisdiction | CHARLOTTE TWP VT |
| Township / Civil Division | CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 3501 |
Source: Charlotte Town records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 95 SPEAR ST, CHARLOTTE, VT 05445-9134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2016 · Amount on Record |
| Deed Sale | Jul 20, 2016 · Amount on Record |
| Prior Sale | Sep 16, 2004 · Amount on Record |
| Deed Document Number | 20167217575932038 |
| Prior Transfer Date | Nov 5, 1997 |
| Prior Transfer Doc | 0000854977 |
| Record Updated | Oct 29, 2026 |
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 | $10,024.00 (-12.72%) | $758,100 Land $313,700 Building $444,400 |
| 2024 | $11,485.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
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.
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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Fidium Fiber.
5G (outdoors only) and 4G LTE
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