295 Main Street, Derby, VT, 05829
About This Home
Graceful 1850s village home with large level lot. Private backyard. Has one of the few winding staircases in Derby with a lovely foyer. In-law apartment on the 1st floor with a kitchenette and 3/4 bath. Wood floors. Large glass enclosed porch facing the back yard. High ceilings in some of the rooms. Walk to the junior high, Derby Village Store, and the post office. Interior photos coming on Monday.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1850
Materials
- Foundation: Granite
- Roof: Architectural Shingle
- Construction materials: Wood Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Refrigerator,Washer,Electric Stove
- Laundry features: Laundry Hook-ups,1st Floor Laundry
Basement
- Has basement: Yes
- Basement: Full,Basement Stairs,Interior Entry
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
Features
- In-Law Suite,Primary BR w/ BA
- Flooring: Ceramic Tile,Hardwood,Tile,Vinyl
- Finished area below ground: 0
- Finished area above ground: 2,494
Heating & Cooling
- Heating features: Pellet Stove,Forced Air
- Cooling features: None
Interior Area
- Total structure area: 3,793
- Total interior livable area: 2,494 sqft
Property
Accessibility
- Accessibility features: 1st Floor 3/4 Bathroom,1st Floor Full Bathroom,1st Floor Laundry
Details
- Parcel number: 17705611572
- Zoning description: residential
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Enclosed Porch
- Frontage length: Road frontage: 79
Lot
- Lot size: 0.55 Acres
- Features: Level
Parking
- Total spaces: 2
- Parking features: Gravel,Auto Open
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Winter Weather
- Cold Wave
- Inland Flooding
- Lightning
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 | $1,865 | $22,380 |
| Home Insurance | $153 | $1,836 |
| Property Taxes | $439 | $5,268 |
| Electricity | $317 | $3,807 |
| Total | $2,774 | $33,288 |
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 |
|---|---|---|
| 2026-08-13 | Price change | $359,000 |
| 2026-07-27 | Listed for sale | $369,000 |
| 2015-06-15 | Sold | $189,000 |
| 2002-09-19 | Sold | $125,000 |
| 1998-08-21 | Sold | $80,000 |
For Sale by Agent
View on Zillow