Charlotte, VT
Chittenden County44.3105°N, 73.2531°W
Tracking 1,921 properties across Charlotte, Vermont — a community where the median home dates to 1984 and the oldest to 1780. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
1,921
Properties Tracked
1984
Median Year Built
$448K
Median Assessed Value
1%
FEMA Flood Zone
506,559
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Charlotte, VT
Charlotte is a rural town south of Burlington on Lake Champlain, with a landscape of farms, conservation land, and dispersed residential properties on larger lots. The town has an agricultural character with apple orchards and the Shelburne Farms influence from the neighboring town.
For property professionals, Charlotte is an upper-value rural market where lake proximity, farmland views, and the Burlington commuter appeal drive assessed values.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
11 properties (1%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
1,910
AE
9
A
2
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade C
157
Grade D
445
Grade E
1,319
Zone 1
Radon Risk
112 mph
Design Wind Speed
ASCE 7 standard
40 psf
Ground Snow Load
ASCE 7 standard
Very Low
FEMA Risk Index
NRI composite rating
The Property Landscape
1,921 properties · Median year built 1984 · Avg 2,519 sf
Property Types
Single Family
1,068
Two-Family
569
Other
215
Commercial
28
Institutional
23
Agricultural / Open Space
14
Mixed Use
3
Industrial
1
Construction by Era
Pre-1800
16
1800-1849
44
1850-1899
104
1900-1949
84
1950-1979
395
1980-1999
479
2000+
313
Living in Charlotte
Chittenden County · Vermont
Zip Codes0544505461
3,912
Population
2020 Census
1,921
Properties
$448K
Median Assessed
64%
Owner-Occupied
41.3
Square Miles
Charlotte covers 41.3 square miles in Chittenden County, Vermont. The median assessed property value is $448K.
Single-family homes account for 1,068 of Charlotte's 1,921 properties and 569 multi-family buildings. There are 28 commercial properties. About 64% of properties are owner-occupied, and 8% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $289K and $634K, with the highest assessed property at $14.1M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most properties rely on private septic systems, and 9% have public water service. Electric service is provided by GREEN MOUNTAIN POWER CORP. 659 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Charlotte its character.
What Charlotte Property Intelligence Means for Professionals
Insurance & Underwriting
Charlotte's fire protection grade distribution (157 Grade C, 445 Grade D) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Charlotte's 8 property types, spanning construction from 1780 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 1% of Charlotte properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Charlotte property intelligence.
1,921 Charlotte properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/charlotte-vt. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.