440 Mills Point Road, Colchester, VT, 05446
About This Home
Enjoy the Lake Champlain lifestyle without the price of direct owned waterfront. This spacious 2017 home offers lake views, private beach access, an included boat mooring, an oversized 2 car garage and more than 2400 square feet of flexible year round living space near the Colchester Causeway. Enjoy boating, kayaking, paddleboarding, swimming, fishing, cycling, and year-round recreation, all just minutes from Burlington, UVM Medical Center, shopping, dining, and schools. The open-concept main level features a chef's kitchen with quartz countertops, stainless steel appliances, a large center island, and spacious living and dining areas that open to a covered porch with Lake Champlain views. A first-floor bedroom and full bath offer flexible living, while the oversized two-car garage provides exceptional storage. Upstairs, the loft is ideal for a home office or additional living space. The finished walkout lower level includes a family room, bedroom, full bath, and bonus room perfect for a gym, hobby room, or playroom. Outside, enjoy a private backyard with an outdoor bar, fire pit, raised garden beds, and room to relax after a day on the lake. Additional features include a new on-demand hot water system (2026), whole-house Generac generator, energy-efficient heat pump for heating and cooling, central vacuum, premium Inspired Closets systems, and hardwood flooring throughout. Whether you're looking for a year-round home or a vacation retreat, 440 Mills Point Road offers an affordable opportunity to enjoy the Lake Champlain lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2017
Materials
- Foundation: Concrete
- Roof: Asphalt Shingle
- Construction materials: Wood Frame,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Gas Range,Refrigerator,Washer,Instant Hot Water
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Climate Controlled,Daylight,Finished,Full,Walkout,Interior Access,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Features
- Central Vacuum,Cathedral Ceiling(s),Ceiling Fan(s),Dining Area,Kitchen Island,Kitchen/Dining,Kitchen/Family,Kitchen/Living,Natural Light
- Flooring: Carpet,Vinyl,Wood
- Finished area below ground: 1,008
- Finished area above ground: 1,434
Heating & Cooling
- Heating features: Heat Pump,Wall Furnace
- Cooling features: Mini Split
Interior Area
- Total structure area: 2,442
- Total interior livable area: 2,442 sqft
Property
Details
- Parcel number: 15304822648
- Zoning description: R1
- Other equipment: Standby Generator
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Porch
- Exterior features: Boat Launch,Boat Mooring,Deck,ROW to Water
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Beach Access
- Waterbody name: Lake Champlain
Lot
- Features: Landscaped,Leased,Trail/Near Trail,Views,Walking Trails,Near Paths
Parking
- Total spaces: 2
- Parking features: Paved,Driveway,Garage,Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Winter Weather
- Heat Wave
- Inland Flooding
- Ice Storm
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Vermont Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,907 | $34,884 |
| Home Insurance | $113 | $1,356 |
| Property Taxes | $0 | $0 |
| Electricity | $310 | $3,727 |
| Total | $3,330 | $39,960 |
Income You'd Need if You Spent...
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Pending sale | $574,900 |
| 2026-07-27 | Price change | $574,900 |
| 2026-06-17 | Price change | $599,900 |
| 2026-06-13 | Price change | $649,000 |
| 2026-05-27 | Listed for sale | $675,000 |
| 2017-09-21 | Sold | $271,300 |
| 2016-09-07 | Sold | $73,500 |
| 2006-11-17 | Sold | $97,900 |
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