251 Upper Old Town Trail, Charlotte, VT, 05445 | $1,295,000

The Vermont dream property does exist! Amazing opportunity to live the good life on this gorgeously landscaped 18+ acres in an updated Farm style home! Located next to Mt. Philo, as you pull into the driveway, you are instantly greeted by the privacy and green paradise one craves. Step inside the main home and be immersed in an abundance of natural light with amazing views through your new windows. The eat-in Kitchen offers plenty of space for all of your cooking and gathering needs. The large bonus room off the kitchen is perfect for additional kitchen storage/pantry or even an office. Step into the main living room which offers breathtaking views of your pond, gardens, and lush vegetation. Imagine your morning cup of coffee or enjoying dinner while listening to bird song on the screened-in porch. The wood stove in the family room is ideal for those winter nights. Walk upstairs to your private primary suite with a completely renovated and updated bath and views. Three additional separate bedrooms and a second bathroom complete the second level. The basement features a large amount of open space for a home gym and/or storage. Step outside to be surrounded by a meticulously landscaped property with raised garden beds and wildflowers, a custom stone patio, pergola, perennials, a pond, your own basketball area, private greenhouse, and panoramic views. But that's not all. The detached 2 car garage boasts a completely renovated living space above it with a full kitchen and 3/4 bathroom. See the attached document of improvements for a list of all the incredible upgrades performed. This property is walking distance to Mt Philo with an easy drive to all amenities.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Style: Farmhouse
  • Year Built: 1989
  • Garage: 2-car Garage
  • Heating: Oil,Wood,Baseboard,Electric,Hot Water,Radiant Floor,Wood Stove
  • Cooling: Mini Split
  • Basement: Unfinished
  • Approx Sq. Feet: 2,545
  • Acreage: 18.39
  • Est. Taxes: $13,433
  • Lot Desc: Country Setting,Field/Pasture,Landscaped,Mountain View,Pond,Trail/Near Trail,View,Wooded,Private
  • Elem. School: Charlotte Central School
  • Middle School: Charlotte Central School
  • High School: Champlain Valley UHSD #15
  • School District: Charlotte School District
  • MLS#: 5095113
  • Website: https://www.raveis.com
    /eprop/5095113/251upperoldtowntrail_charlotte_vt?source=qrflyer
©2026 New England Real Estate Network, Inc. All rights reserved.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 6/28/2026
Listing courtesy of KW Vermont   Phone: 802-654-8500
Listing Agent: Mike Burak

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

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251 Upper Old Town Trail, Charlotte, VT, 05445

$1,295,000

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

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,036,000 $1,036,000 $1,036,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.165% 6.086% 6.183%
Monthly Tax Payment $1,119 $1,119 $1,119
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,882 $6,211 $8,742
Total Monthly Payment $7,126 $7,455 $9,986

* 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.