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97 Berlin Street, Montpelier, VT, 05602

6beds
3baths
2,126sqft
$445,000
$209price/sqft
$3,264/moest. monthly cost
$130,560/yrincome needed

About This Home

One of a kind 5 bedroom home with a one bedroom efficiency apartment. This classic Montpelier home has been renovated from the studs out. You name it, it’s been updated–and in the right way. Insulation, windows, electric, plumbing. Bathrooms, kitchens, floors, roof, paint, furnace, and more! A large kitchen and a formal dining room (you don’t have to be formal) are on the first floor, along with a living room and a pellet stove. Four bedrooms upstairs, plus a full bathroom. Then, and you’re going to like this–the third floor is an entire primary bedroom floor. Spacious bedroom with its own bathroom. Give yourself a little space for when you want to be alone. For watching movies and writing poetry, that is. The apartment is a real gem. It’s not big, but it’s in good shape and it ALWAYS rents. Most recently it was getting $1100 a month. Or, if you want a first floor bedroom, it could easily be incorporated back into the main house. Driveway parking is behind the house, and works for 2-3 cars. Super convenient to downtown Montpelier’s stores, restaurants, and the schools. Lots of space means lots of options! One real estate website implies that this is in a flood hazard area. It is NOT in the 1% flood hazard zone. *****Might be ideal for housing where occupants don't have or need cars. It's close to town, a bus stop, and there are sidewalks.*****

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

--
Union Elementary SchoolGrades PK-40.4 mi
10/10
Main Street SchoolGrades 5-80.7 mi
9/10
Montpelier High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Architectural Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Gas Stove

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • In-Law Suite,Primary BR w/ BA
  • Flooring: Hardwood,Softwood
  • Finished area below ground: 0
  • Finished area above ground: 2,126

Heating & Cooling

  • Heating features: Propane,Oil,Pellet Stove,Direct Vent,Hot Air
  • Cooling features: None

Interior Area

  • Total structure area: 2,761
  • Total interior livable area: 2,126 sqft

Property

Details

  • Parcel number: 40512612410
  • Zoning description: Residential 3000

Features

  • Levels: 3
  • Stories: 3
  • Patio & porch: Covered Porch
  • Frontage length: Road frontage: 30

Lot

  • Lot size: 5,663 sqft
  • Features: City Lot

Parking

  • Parking features: Paved

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Lightning

FEMA Declared Disasters Across Vermont Counties

Flood
Mud Landslide
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 $2,250$27,000
Home Insurance $136$1,632
Property Taxes $608$7,296
Electricity $270$3,245
Total$3,264$39,168

Income You'd Need if You Spent...

35% on housing$111,908/yr
40% on housing$97,920/yr
45% on housing$87,040/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: 4.7%
4.7%
0%30.0%
Electricity Growth Rate10-year average: 7.6%
7.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$209This listing

vs Other Active Listings

Avg $/sqft

ZIP 05602$197
Washington County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 05602$211
Washington County$205

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
2026-08-07Price change$424,000
2026-07-02Listed for sale$445,000
2026-02-25Listing removed$469,000
2025-10-03Price change$469,000
2025-08-30Price change$495,000
2025-08-04Listed for sale$510,000
2008-01-17Sold$61,000
2006-04-03Sold$50,000

For Sale by Agent

AgentRay Mikus
BrokerageGreen Light Real Estate

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