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1295 Lime Kiln Road, Charlotte, VT, 05445 | $1,790,000
Hearthwood-Live, Earn & Thrive in Charlotte, Vermont! Discover Hearthwood, a one-of-a-kind home operating as a successful Airbnb with consistent 5-star reviews and earning $180, 000 annually, making it ideal for those looking to live where they work in the heart of Vermont. The spacious owner’s quarters occupy the east side of the residence and feature a large well appointed kitchen, open living and dining areas, two main-floor offices, a second-floor primary ensuite, two additional bedrooms, three bathrooms, a family room, and a craft room. Creative design and abundant natural light make every space inviting. Guests enjoy 6 private, upscale ensuite rooms with nice bathrooms and a group living room, all separated from the owners' quarters. Since 2013, Hearthwood has been thoughtfully renovated, blending comfort with functionality. A full list of improvements and financials is available for review. Set on 8 private acres, the property offers lush gardens and lawns, mature woodlands, pergolas, patios, and a relaxing outdoor sauna. Located minutes from Charlotte Beach, Mt Philo State Park, Shelburne Farms, and Shelburne Village, this property combines rural charm with convenient access to some of Vermont’s most beloved destinations. Whether you continue its legacy as a top-rated Airbnb or create your own vision, Hearthwood offers the rare opportunity to live your Vermont dream while earning from home! Dropbox link of photos and walk-through video available.
Features
- Rooms: 16
- Bedrooms: 8
- Baths: 6 full / 3 three-quarter / 1 half
- Style: Colonial
- Year Built: 1972
- Heating: Electric,Heat Pump
- Cooling: Mini Split
- Basement: Climate Controlled,Concrete,Concrete Floor,Finished,Full,Storage Space,Interior Access,Exterior Access,Basement Stairs
- Approx Sq. Feet: 6,460
- Acreage: 8.02
- Est. Taxes: $10,383
- Lot Desc: Country Setting,Landscaped,Near Golf Course,Near Shopping,Near Skiing,Near Hospital,Near School(s)
- Elem. School: Charlotte Central School
- Middle School: Charlotte Central School
- High School: Champlain Valley UHSD #15
- School District: Chittenden South
- MLS#: 5077994
- Website: https://www.raveis.com
/eprop/5077994/1295limekilnroad_charlotte_vt?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of PrimMLS. 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 5/28/2026Listing courtesy of Four Seasons Sotheby's Int'l Realty Phone: 802-864-0541
Listing Agent: Kathleen OBrien
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Joel FanjoyRegional SVP Insurance Sales, William Raveis Insurance
617.320.5687
Joel.Fanjoy@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
1295 Lime Kiln Road, Charlotte, VT, 05445
$1,790,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $1,432,000 | $1,432,000 | $1,432,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 6.125% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.117% | 6.235% | 6.058% |
| Monthly Tax Payment | $865 | $865 | $865 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $8,019 | $8,701 | $11,988 |
| Total Monthly Payment | $9,009 | $9,691 | $12,978 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484