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16 Church Street, Woodstock, VT, 05091

4beds
3baths
3,979sqft
$1,375,000
$346price/sqft
$9,614/moest. monthly cost
$384,560/yrincome needed

About This Home

This wonderful Vermont Cape-style home has overlooked the Ottauquechee River and the former Woodstock woolen mill (now the 'new' mill and community pools and recreation center) since 1890. On long summer days, the sounds of children enjoying the swimming holes and tubing in the rapid runs below float up. The floor plan has been adapted to modern lifestyles across three levels. The main level, entered from the garden walkway or garage, connects to an open country kitchen via a mudroom, which flows into the dining area and living room, offering extraordinary upriver views west toward Killington. A spacious main-floor primary bedroom with an en suite bath opens to a riverside deck, and an expanse of lawn and gardens surrounds the residence. Upstairs are two large bedrooms with a shared bath and a reading loft overlooking the living room below. The walkout lower level includes another bedroom, a bath, a recreation room, and a laundry. The soothing music of the water rose to a crescendo in August 2011 as Hurricane Irene swept into Vermont as a tropical storm, resulting in a FEMA-designated 500-year flood event that inundated basements, as it did many homes in Woodstock and other river towns. Subsequently, the owners have replaced the lower-level sheetrock and boiler and have invested in an engineered barrier wall. The home is within walking distance of Village shops, restaurants, and resort amenities. A peaceful hideaway close to everything.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

9/10
9/10
Woodstock Senior Uhsd #4Grades 7-121.2 mi
9/10

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Concrete,Fieldstone
  • Roof: Asphalt Shingle
  • Construction materials: Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Gas Stove,Dual Fuel Range
  • Laundry features: 1st Floor Laundry,In Basement

Basement

  • Has basement: Yes
  • Basement: Climate Controlled,Concrete Floor,Daylight,Finished,Insulated,Walkout,Exterior Entry,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Kitchen Island,Kitchen/Dining,Primary BR w/ BA,Natural Light
  • Window features: Skylight(s),Screens
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Gas,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 890
  • Finished area above ground: 3,089

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Interior Area

  • Total structure area: 4,149
  • Total interior livable area: 3,979 sqft

Property

Details

  • Zoning description: Residential

Features

  • Levels: One and One Half
  • Stories: 1
  • Exterior features: Deck,Garden
  • Has view: Yes
  • View description: Water,Mountain(s)
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 0.52 Acres
  • Features: Level,Trail/Near Trail,Walking Trails,In Town,Near Country Club,Near Golf Course,Near Skiing,Near School(s)

Parking

  • Total spaces: 2
  • Parking features: Paved,Auto Open,Detached
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Heat Wave
Ice Storm
Landslide
Lightning
Strong Wind

FEMA Declared Disasters Across Vermont Counties

Flood
Severe Storm
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $6,952$83,424
Home Insurance $277$3,324
Property Taxes $1,879$22,548
Electricity $506$6,074
Total$9,614$115,368

Income You'd Need if You Spent...

35% on housing$329,622/yr
40% on housing$288,420/yr
45% on housing$256,373/yr

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.

Insurance Growth Rate5-year average: 4.4%
4.4%
0%30.0%
Electricity Growth Rate10-year average: 7.6%
7.6%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$346This listing

vs Other Active Listings

Avg $/sqft

ZIP 05091$423
Windsor County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 05091$349
Windsor County$247

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)

Price History

DateEventPrice
2026-07-17Listed for sale$1,375,000
2026-01-01Listing removed$1,295,000
2025-08-23Listed for sale$1,295,000
2024-12-17Listing removed$1,095,000
2024-09-10Price change$1,095,000
2024-06-10Listed for sale$1,495,000
2023-11-26Listing removed--
2023-06-23Listed for sale$1,495,000

For Sale by Agent

AgentLaird Bradley
BrokerageWilliamson Group Sothebys Intl. Realty

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