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540 Route 7, Swanton, VT, 05488

3beds
3baths
2,578sqft
$475,000
$184price/sqft
$2,914/moest. monthly cost
$116,560/yrincome needed

About This Home

Highgate Home with Detached 2-Car Garage on 2.51± Acres This 2.51± acre property along the U.S. Route 7 corridor offers a practical combination of land, accessibility, and residential flexibility. Set back from the roadway, the single-family home provides privacy while remaining close to local services and major routes. The home offers two heat sources, providing options for seasonal comfort and added reliability. The layout works well for full-time living, rental use, or as a starting point for future updates or improvements. A key feature is the spacious detached 2-car garage, offering ample room for vehicles, tools, equipment, or workshop needs. The home also includes a nicely sized deck that expands the outdoor living space and provides a convenient area for seating, grilling, or enjoying views of the surrounding yard. The 2.51± acres offer a mix of open yard space and light tree cover, creating options for gardening, pets, small projects, or general outdoor activities. The lot size remains manageable while still providing more room than a typical residential parcel, and the natural buffer adds a sense of separation from neighboring properties. The location provides easy access to nearby amenities, including shopping, dining, schools, and village services. Interstate 89 is a short distance away, allowing efficient travel to St. Albans, Burlington, and the Canadian border. Outdoor recreation is close by, with Lake Champlain, the Missisquoi National Wildlife Refuge, an

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Swanton SchoolsGrades PK-61.7 mi
4/10
Missisquoi Valley Uhsd #7Grades 7-121.1 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Concrete
  • Roof: Metal
  • Construction materials: Wood Frame,Vinyl Exterior

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch
  • Property subType: Ranch

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Finished area below ground: 1,248
  • Finished area above ground: 1,330

Heating & Cooling

  • Heating features: Oil,Wood Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 2,721
  • Total interior livable area: 2,578 sqft

Property

Details

  • Parcel number: 29109210961
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Frontage length: Road frontage: 297

Lot

  • Lot size: 2.51 Acres
  • Features: Agricultural,Wooded,Neighborhood

Parking

  • Total spaces: 2
  • Parking features: Paved
  • 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

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters Across Vermont Counties

Flood
Severe Storm
Tropical Depression
Tropical Storm
Winter 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 $2,401$28,812
Home Insurance $159$1,908
Property Taxes $27$324
Electricity $327$3,935
Total$2,914$34,968

Income You'd Need if You Spent...

35% on housing$99,908/yr
40% on housing$87,420/yr
45% on housing$77,706/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.6%
7.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 05488$200
Franklin County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 05488$200
Franklin County$201

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
2025-11-26Listed for sale$475,000

For Sale by Agent

AgentChad Bruyette
BrokerageWhitetail Properties Real Estate, LLC

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