3160 Mt. Philo Road, Charlotte, VT, 05445 | $949,000

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. To suit a growing family, 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.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 1 full / 1 three-quarter / 1 half
  • Style: Historic Vintage,Victorian
  • Year Built: 1887
  • Garage: 2-car Garage
  • Heating: Propane,Natural Gas,Multi Fuel,Blowers,Electric,Forced Air,Heat Pump,Hot Air
  • Cooling: Central AC
  • Basement: Bulkhead,Full,Storage Space,Unfinished,Basement Stairs
  • Approx Sq. Feet: 2,210
  • Acreage: 5.37
  • Est. Taxes: $10,063
  • Lot Desc: Country Setting,Landscaped,Mountain View,Slight,Trail/Near Trail,Abuts Conservation,Near Paths,Rural
  • MLS#: 5096408
  • Website: https://www.raveis.com
    /prop/5096408/3160mtphiloroad_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 6/25/2026
Listing courtesy of Coldwell Banker Hickok and Boardman   Phone: 802-863-1500
Listing Agent: Margolin and von Trapp Team

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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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3160 Mt. Philo Road, Charlotte, VT, 05445

$949,000

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 $759,200 $759,200 $759,200
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% 6.121% 6.183%
Monthly Tax Payment $839 $839 $839
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,311 $4,552 $6,407
Total Monthly Payment $5,242 $5,483 $7,338

* 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.