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99 Lake Pauline Road, Ludlow, VT, 05149

2beds
1baths
768sqft
$479,999
$625price/sqft
$3,484/moest. monthly cost
$139,360/yrincome needed

About This Home

This Lake Pauline residence offers an inviting, easygoing retreat in a convenient yet quiet location close to Okemo Mountain Resort. The cottage-style home features an open living and dining area with a cozy gas stove and access to a deck overlooking the water. The lakeside yard provides plenty of room for relaxing, lawn games, swimming, kayaking, and gathering around the firepit. Improvements completed within the past two years include Andersen windows, an updated kitchen and bath, and a new furnace. A delightful four-season getaway where lake and mountain living come together.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Ludlow Elementary SchoolGrades PK-62.7 mi
2/10
Riverside SchoolGrades 6-813.6 mi
7/10
Green Mountain Uhsd #35Grades 7-1213.9 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Concrete,Pillar/Post/Pier
  • Roof: Standing Seam
  • Construction materials: Board and Batten Exterior

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Cabin,Cottage/Camp,Ranch
  • Property subType: Ranch

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer,Electric Stove
  • Laundry features: 1st Floor Laundry

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Dining Area
  • Window features: Screens
  • Flooring: Laminate,Tile
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 768

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 768
  • Total interior livable area: 768 sqft

Property

Details

  • Parcel number: 36311212345
  • Zoning description: lakes

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Deck,Shed
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterbody name: Lake Pauline
  • Frontage length: Road frontage: 101

Lot

  • Lot size: 0.27 Acres
  • Features: Country Setting,Landscaped,Ski Area,Trail/Near Trail,Mountain,Near Golf Course,Near Paths,Near Shopping,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

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

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Ice Storm
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 $2,427$29,124
Home Insurance $148$1,776
Property Taxes $655$7,860
Electricity $254$3,053
Total$3,484$41,808

Income You'd Need if You Spent...

35% on housing$119,451/yr
40% on housing$104,520/yr
45% on housing$92,906/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

$625This listing

vs Other Active Listings

Avg $/sqft

ZIP 05149$439
Windsor County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 05149$307
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
2026-07-27Listed for sale$479,999
2019-05-31Listing removed$9,000
2018-10-17Listed for rent$9,000
2011-04-29Sold$190,000
2006-04-24Sold$76,000

For Sale by Agent

AgentTeresa DiNapoli
BrokerageFour Seasons Sotheby's Int'l Realty

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