481 Hills Point Road, Charlotte, VT, 05445
About This Home
Stunning panoramic lake and Adirondack views highlight this four-bedroom, two-bath LAKEFRONT home, offering a rare opportunity to renovate or rebuild in one of Charlotte’s most sought-after neighborhoods. Set on 0.89 acres with 150+ feet of lake frontage, the property features a gently sloping lawn leading to a shale beach ideal for kayaking, paddleboarding, boating, swimming, or simply enjoying spectacular sunsets. The existing home offers two finished levels ready for renovation, while the exceptional setting provides endless potential for a custom lakeside retreat. Located in the desirable Hills Point neighborhood with easy access to Charlotte Village, Town Beach, the nearby covered bridge, and convenient commuting to Burlington or Middlebury.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Foundation: Block
- Roof: Shingle
- Construction materials: T1-11 Exterior,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Raised Ranch
- Property subType: Ranch
Interior
Appliances
- Appliances included: Domestic Water Heater,Water Heater off Boiler
- Laundry features: Laundry Hook-ups
Basement
- Has basement: Yes
- Basement: Finished,Full,Interior Stairs,Walkout,Interior Entry
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Living/Dining,Natural Light
- Flooring: Carpet,Hardwood,Vinyl
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 1,065
- Finished area above ground: 1,196
Heating & Cooling
- Heating features: Oil,Baseboard,Hot Water,Gas Stove
- Cooling features: None
Interior Area
- Total structure area: 2,261
- Total interior livable area: 2,261 sqft
Property
Details
- Parcel number: 13804310799
- Zoning description: Residential
Features
- Levels: One
- Stories: 1
- Exterior features: Deck,Garden
- Has view: Yes
- View description: Water,Lake,Mountain(s)
- Has water view: Yes
- Water view: Water,Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront
- Waterbody name: Lake Champlain
- Frontage length: Water frontage: 147,Road frontage: 150
Lot
- Lot size: 0.89 Acres
- Features: Level,Neighborhood
Parking
- Total spaces: 2
- Parking features: Dirt,Gravel,Driveway,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
- Strong Wind
- Winter Weather
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 | $12,616 | $151,392 |
| Home Insurance | $876 | $10,512 |
| Property Taxes | $2,994 | $35,928 |
| Electricity | $287 | $3,451 |
| Total | $16,773 | $201,276 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Listed for sale | $2,495,000 |
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