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Adam Dow

| The Dow Group | #1 Real Estate Team in New Hampshire

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3160 Mt. Philo Rd , Charlotte, VT 05445
$949,000
Est. Payment: $4,945.37/mo
3 Bed
3 Bath
2210 Sqft
Status: active | Days on site: 18
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Every small Vermont town has its iconic vintage homes that catch the eye of every passer-by. This is one of Charlotte's finest. Built in 1893, this 3 bedroom Queen Anne Victorian on over 5 acres has been the owners' beloved home for over 40 years. It has been tastefully renovated in 1984 with the addition of a new kitchen, two baths, mudroom, and 2nd-floor laundry plus new plumbing & wiring throughout -no knob-and-tube or cast iron here! Inviting you into the home is a lovely covered front porch with cushioned chairs that set the scene for lazy summer afternoons. The front door opens to a central foyer and expansive living room with Green Mountain views from the large bay window. Built-in bookcases, a wood-burning fireplace, and a cushy window seat create a cozy ambiance. The eat-in kitchen at the back of the house features maple floors, custom cabinets, slate countertops, and a sunny breakfast alcove that opens to a landscaped stone patio. Just off the kitchen, leading out to a small back porch, is a new mudroom with wainscoting, slate floors and lots of storage cubbies. Rounding out the first floor is a large dining room with cherry floors and an antique built-in butler's pantry. Upstairs, the primary suite offers a dressing area, walk-in closet & full private bath. The remaining bedrooms are roomy, bright, and full of charming nooks & crannies, sharing a 3/4 bath & laundry with heated tile-floors. The enchanting c.1860 English barn holds great potential for a home business, studio, or auxiliary dwelling unit and has been structurally reinforced and re-sited on a new poured concrete foundation. In 2015 the owners also had a new state-of-the-art septic system engineered to support the 3 BR home and a 1 BR ADU, by the next owner. These thoughtful upgrades over the years have added comfort & convenience to this classic home, while preserving its integrity and charm. Let this home become your sanctuary for years to come.

Highlights

Listed by Margolin and von Trapp Team , 802-846-9588 Coldwell Banker Hickok and Boardman , 802-863-1500. PrimeMLS mls logo

Property Type

Residential

Lot/Acreage
5.37

Year Built

1887

County

Chittenden

Listing ID

5096408

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:1
  • 3/4 Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Gas Range, Refrigerator, Washer, Solar Water Heater, Exhaust Fan, Vented Exhaust Fan
Air Cond:Central AC
Fireplaces:
Floor:Carpet,Ceramic Tile,Hardwood,Slate/Stone,Softwood,Tile,Wood
Above Ground Sq Ft:2210
Basement:Yes,Bulkhead,Full,Storage Space,Unfinished,Basement Stairs
Other:Level 1: 1/2 Bathroom,Level 1: Dining Room,Level 1: Eat-in Kitchen,Level 1: Living Room,Level 1: Mudroom,Wood Fireplace,1 Fireplace,Kitchen/Dining,Primary BR w/ BA,Natural Woodwork,Walk-in Closet,2nd Floor Laundry

Exterior Features

Lot:Existing
Zoning:Ag/ Residential
Roof:Metal,Standing Seam
Others:Barn,Garden Space,Patio,Covered Porch
Sewer:Concrete,Mound Leach Field,On-Site Septic Exists,Private,Pumping Station,Replacement Field-OnSite,Septic Design Available,Septic
Parking Features:Storage Above,Driveway,On-Site,Barn,Detached
Principal Interest
$4,945
Taxes
$839

Home Price

$949,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$189,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,945.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,945.37 $838.55 $0.00 $5,783.92
Yearly $59,344.45 $10,062.60 $0.00 $69,407.05
Total $1,780,333.56 $301,878.00 $0.00 $2,082,211.56

Today's Rates

30 Year

6.79%

20 Year

6.27%

15 Year

6.15%

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Market insight data is pulled from the same city as the listing being viewed (Charlotte, VT).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Copyright 2026 PrimeMLS, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this display comes in part from the IDX Program of PrimeMLS. The information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated August 1, 2026 11:51pm

Data last updated: 2026-08-02T03:51:12.800Z

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