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3670 VT Route 109, Belvidere, VT, 05442

4beds
2baths
2,192sqft
$299,000
$136price/sqft
$2,208/moest. monthly cost
$88,320/yrincome needed

About This Home

Nestled in the picturesque valley of the North Branch of the Lamoille River, this inviting 1890 farmhouse offers warmth, character, and an abundance of space inside and out. The large country kitchen welcomes you with a generous sized coat closet, separate laundry room, and full bath. Just beyond, the cozy family room with a woodstove creates the perfect gathering space, while a private office or bonus room with its own entrance offers flexibility for working from home, hobbies, or guests. Upstairs, you'll find four bedrooms, each with its own large closet, providing exceptional storage rarely found in homes of this era. You will also find a second full bath. Outside, relax on the deck, enjoy the gardens, or create your own private retreat among the beautiful stone walls. Offering loads of natural light, wonderful spaces, timeless charm, and room to add your own personal touches, this home is conveniently located less than 30 minutes from Jay Peak and Smugglers' Notch Resorts, about an hour from Burlington, and two hours from Montreal. Schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

--
3/10
6/10
Lamoille Uhsd #18Grades 9-1210.9 mi

Construction

Condition

  • Year built: 1890

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range Hood,Gas Range,Refrigerator,Washer,Propane Water Heater,Owned Water Heater,Tank Water Heater

Basement

  • Has basement: Yes
  • Basement: Concrete,Unfinished,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Window features: Double Pane Windows
  • Flooring: Laminate,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,192

Heating & Cooling

  • Heating features: Propane,Wood,Hot Air,Wall Units
  • Cooling features: None

Interior Area

  • Total structure area: 2,192
  • Total interior livable area: 2,192 sqft

Property

Details

  • Parcel number: 4801410046
  • Zoning description: Residential
  • Exclusions: Sale does not include the woodstove

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Deck,Garden,Natural Shade
  • Fencing: Partial

Lot

  • Lot size: 0.25 Acres
  • Features: Country Setting,Landscaped,Near Skiing,Near Snowmobile Trails,Near School(s)

Parking

  • Parking features: Gravel

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
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning

FEMA Declared Disasters Across Vermont Counties

Flood
Mud Landslide
Severe Storm
Tornado
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 $1,511$18,132
Home Insurance $73$876
Property Taxes $346$4,152
Electricity $278$3,346
Total$2,208$26,496

Income You'd Need if You Spent...

35% on housing$75,702/yr
40% on housing$66,240/yr
45% on housing$58,880/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 7.6%
7.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 05442
Lamoille County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 05442
Lamoille County$243

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
2026-07-29Listed for sale$299,000
2003-12-02Sold$33,000
1988-06-18Sold$23,000

For Sale by Agent

AgentLaura Zambarano
BrokerageReal Estate Associates

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