176 Meadow Rd · Chester, VT 05143

$425,000

5 bd · 2.5 ba · 2,862 sqft · SingleFamily public records · 47 Days on market

Built 1945 0.27 ac lot $148/sqft · 12% below area Est $335k · 27% over

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +12.8/30.0
• Appreciation +10.0/10.0
• Schools +5.0/10.0
• DSCR +3.8/10.0
• Livability +3.6/5.0
• 1% rule +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

The Best of Both Worlds: Modern Comfort Meets Village Charm! Discover the perfect blend of contemporary upgrades and serene neighborhood. This meticulously updated raised ranch offers an expansive layout designed for both effortless entertaining and comfortable daily living. Step inside to find a light-filled open-concept living and dining area, anchored by stunning hickory hardwood floors that flow throughout the main level. The heart of the home is the fully renovated kitchen, featuring modern finishes, apron front farmhouse sink and outfitted with stainless steel appliances. With 5 spacious bedrooms, 2 updated bathrooms, there is no shortage of space. Enjoy cozy evenings in the living room featuring a vaulted ceiling and exposed wood beams and a gas fireplace. The primary suite serves as a retreat complete with a private balcony, and an ensuite bath featuring a double vanity. On the lower level, a large bonus room provides the flexible space you’ve been looking for-ideal for a gym, playroom or office! Enjoy the fresh air without the bugs in your screened-in porch, or host summer gatherings in the peaceful yard. Located on a quiet dead-end street, this home offers privacy while remaining incredibly convenient. Additional highlights include an easy walk to the vibrant Chester Green, peace of mind with a new boiler in 2021, freshly painted interior in 2022, sump pump installed in 2023, a 1 car garage, a paved driveway done in 2024, and new windows installed throughout most of the house in 2025. Don't miss your chance to own this move-in-ready gem in a prime Chester location!

Key facts

• 0.27 acre lot
• Garage
• Built 1945

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $425k.

Deal economics

• At list price, monthly cash flow is $-42 ($-505/yr) — negative.
• To cash-flow at today's rent, offer at most $418k (1.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $330k (22.4% below list).
• Recommended offer: $330k (22.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#30 in VT) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Zoned schools: Green Mountain Union High School (math 27% / reading 52%, grade F, #20 of 48 statewide, top 45%, 326 students, 48% FRL).
• Market conditions: 50 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 339 units permitted in Windsor County in 2024 (240 in 5+ unit buildings).

Forward outlook

• In year one you build about $45k of equity ($3k loan paydown + $42k appreciation (10.0% local appreciation)).
• Windsor County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $119k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$73k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($412k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $295k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $330,000 (22.4% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. Built in 1945 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.78% ✗
• Cap rate: 6.17%
• Cash-on-cash: -0.42%
• DSCR: 0.98
• GRM: 10.7

CMA / ARV

• ARV (median comp): $335,427
• List price: $425,000
• Delta: 26.70%
• Verdict: OVERPRICED
• Comps: 11 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
95 Church St	0.20mi	4/3.0 (-1)	2,794 (-2%)	2mo	$563,000	$202	78
515 Main St	0.24mi	4/4.0 (-1)	3,024 (+6%)	8mo	$140,000	$46	62
198 Coach Rd	0.62mi	4/2.5 (-1)	2,904 (+2%)	12mo	$350,000	$121	54
270 North St	0.71mi	4/1.5 (-1)	2,919 (+2%)	11mo	$373,000	$128	45
2651 Twenty Mile Stream Rd	0.75mi	4/3.5 (-1)	3,000 (+5%)	5mo	$2,000,000	$667	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.0%
• Equity multiple: 2.92×
• Total profit: $228,661
• Equity at exit: $382,874

10-year hold

• IRR: 21.3%
• Equity multiple: 6.67×
• Total profit: $675,222
• Equity at exit: $825,682

Cash invested: $119,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 41 Moderately Tenant-Leaning
• State Vermont: 41 Moderately Tenant-Leaning · D+15
• County: — inherits STATE
• City: — inherits STATE

Just-cause in Burlington (2022); strong habitability.

Methodology + full state rankings →

ZIP-level market 05143

• Home prices YoY: 7.7%
• Active inventory: 50
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $3,300 medium
• Mortgage (P&I): −$2,229
• Tax from tax record: −$243 /mo · $2,919/yr
• Insurance: −$177
• HOA: −$0
• Vacancy / Maint / Mgmt: −$693
• Net cashflow: $-42

Break-even live

Break-even rent $3,353

Max offer price $417,573

Occupancy floor 96%

Sensitivity live

Price	-10% $199	-5% $78	+0% $-42	+5% $-162	+10% $-283
Rent	-10% $-303	-5% $-172	+0% $-42	+5% $88	+10% $219
Rate	-1.0pp $172	-0.5pp $66	base $-42	+0.5pp $-152	+1.0pp $-264

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $106,250
• Closing costs: $12,750
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
735 Main St Chester, VT	4.0	3.0	2200	$3,300	$1.50	16d	1	0.28mi

Listing history 19 events

1. 2026-06-03
   days on market $425,000 Active 47 DOM
2. 2026-06-02
   days on market $425,000 Active 46 DOM
3. 2026-06-01
   days on market $425,000 Active 45 DOM
4. 2026-05-31
   days on market $425,000 Active 44 DOM
5. 2026-05-08
   historical Active with Contract 1610-char remark

   Show marketing remark (1610 chars)

   The Best of Both Worlds: Modern Comfort Meets Village Charm! Discover the perfect blend of contemporary upgrades and serene neighborhood. This meticulously updated raised ranch offers an expansive layout designed for both effortless entertaining and comfortable daily living. Step inside to find a light-filled open-concept living and dining area, anchored by stunning hickory hardwood floors that flow throughout the main level. The heart of the home is the fully renovated kitchen, featuring modern finishes, apron front farmhouse sink and outfitted with stainless steel appliances. With 5 spacious bedrooms, 2 updated bathrooms, there is no shortage of space. Enjoy cozy evenings in the living room featuring a vaulted ceiling and exposed wood beams and a gas fireplace. The primary suite serves as a retreat complete with a private balcony, and an ensuite bath featuring a double vanity. On the lower level, a large bonus room provides the flexible space you’ve been looking for-ideal for a gym, playroom or office! Enjoy the fresh air without the bugs in your screened-in porch, or host summer gatherings in the peaceful yard. Located on a quiet dead-end street, this home offers privacy while remaining incredibly convenient. Additional highlights include an easy walk to the vibrant Chester Green, peace of mind with a new boiler in 2021, freshly painted interior in 2022, sump pump installed in 2023, a 1 car garage, a paved driveway done in 2024, and new windows installed throughout most of the house in 2025. Don't miss your chance to own this move-in-ready gem in a prime Chester location!

6. 2026-04-17
   listed $425,000 Active 1610-char remark

   Show marketing remark (1610 chars)

   The Best of Both Worlds: Modern Comfort Meets Village Charm! Discover the perfect blend of contemporary upgrades and serene neighborhood. This meticulously updated raised ranch offers an expansive layout designed for both effortless entertaining and comfortable daily living. Step inside to find a light-filled open-concept living and dining area, anchored by stunning hickory hardwood floors that flow throughout the main level. The heart of the home is the fully renovated kitchen, featuring modern finishes, apron front farmhouse sink and outfitted with stainless steel appliances. With 5 spacious bedrooms, 2 updated bathrooms, there is no shortage of space. Enjoy cozy evenings in the living room featuring a vaulted ceiling and exposed wood beams and a gas fireplace. The primary suite serves as a retreat complete with a private balcony, and an ensuite bath featuring a double vanity. On the lower level, a large bonus room provides the flexible space you’ve been looking for-ideal for a gym, playroom or office! Enjoy the fresh air without the bugs in your screened-in porch, or host summer gatherings in the peaceful yard. Located on a quiet dead-end street, this home offers privacy while remaining incredibly convenient. Additional highlights include an easy walk to the vibrant Chester Green, peace of mind with a new boiler in 2021, freshly painted interior in 2022, sump pump installed in 2023, a 1 car garage, a paved driveway done in 2024, and new windows installed throughout most of the house in 2025. Don't miss your chance to own this move-in-ready gem in a prime Chester location!

7. 2026-04-10
   historical $425,000 1610-char remark

   Show marketing remark (1610 chars)

   The Best of Both Worlds: Modern Comfort Meets Village Charm! Discover the perfect blend of contemporary upgrades and serene neighborhood. This meticulously updated raised ranch offers an expansive layout designed for both effortless entertaining and comfortable daily living. Step inside to find a light-filled open-concept living and dining area, anchored by stunning hickory hardwood floors that flow throughout the main level. The heart of the home is the fully renovated kitchen, featuring modern finishes, apron front farmhouse sink and outfitted with stainless steel appliances. With 5 spacious bedrooms, 2 updated bathrooms, there is no shortage of space. Enjoy cozy evenings in the living room featuring a vaulted ceiling and exposed wood beams and a gas fireplace. The primary suite serves as a retreat complete with a private balcony, and an ensuite bath featuring a double vanity. On the lower level, a large bonus room provides the flexible space you’ve been looking for-ideal for a gym, playroom or office! Enjoy the fresh air without the bugs in your screened-in porch, or host summer gatherings in the peaceful yard. Located on a quiet dead-end street, this home offers privacy while remaining incredibly convenient. Additional highlights include an easy walk to the vibrant Chester Green, peace of mind with a new boiler in 2021, freshly painted interior in 2022, sump pump installed in 2023, a 1 car garage, a paved driveway done in 2024, and new windows installed throughout most of the house in 2025. Don't miss your chance to own this move-in-ready gem in a prime Chester location!

8. 2021-11-03
   soldstatus $295,000
9. 2021-10-28
   soldstatus $295,000 Closed 1298-char remark

   Show marketing remark (1298 chars)

   Enjoy the sweet Vermont life in this spacious tri-level 5 bedroom, 2 bathroom renovated farmhouse with detached garage. As you walk through the front door, an over whelming feeling of warmth and comfort envelops you. With newly laid solid hickory flooring along with stunning hand hewn beams which compliment the striking cathedral ceilings above the living room. We invite you to explore this extraordinary open space concept home. This forever home features a brand new heating system along with updated plumbing and electrical. Truly move in ready. The master suite has a private deck to enjoy your morning coffee as you watch the wildlife and listen to the zen sounds of the Williams River from your very own modern farmhouse oasis. The kitchen boasts hand poured concrete counter tops and new state of the art stainless steel appliances. Conveniently located on a quiet dead end street, overlooking the majestic Buttonwood Farms rolling green fields. A stroll around the block leads to the lively charm of Chester Village. With shops, dining and more. A short 15 minute drive takes you to Vails Okemo mountain resort for summer and winter fun, with even more shopping and excursions to choose from. Not to mention the Vas trail access. A property not to be missed. Schedule your showing today!

10. 2021-09-24
    status Pending 1298-char remark

    Show marketing remark (1298 chars)

    Enjoy the sweet Vermont life in this spacious tri-level 5 bedroom, 2 bathroom renovated farmhouse with detached garage. As you walk through the front door, an over whelming feeling of warmth and comfort envelops you. With newly laid solid hickory flooring along with stunning hand hewn beams which compliment the striking cathedral ceilings above the living room. We invite you to explore this extraordinary open space concept home. This forever home features a brand new heating system along with updated plumbing and electrical. Truly move in ready. The master suite has a private deck to enjoy your morning coffee as you watch the wildlife and listen to the zen sounds of the Williams River from your very own modern farmhouse oasis. The kitchen boasts hand poured concrete counter tops and new state of the art stainless steel appliances. Conveniently located on a quiet dead end street, overlooking the majestic Buttonwood Farms rolling green fields. A stroll around the block leads to the lively charm of Chester Village. With shops, dining and more. A short 15 minute drive takes you to Vails Okemo mountain resort for summer and winter fun, with even more shopping and excursions to choose from. Not to mention the Vas trail access. A property not to be missed. Schedule your showing today!

11. 2021-09-17
    price $349,000 1298-char remark

    Show marketing remark (1298 chars)

    Enjoy the sweet Vermont life in this spacious tri-level 5 bedroom, 2 bathroom renovated farmhouse with detached garage. As you walk through the front door, an over whelming feeling of warmth and comfort envelops you. With newly laid solid hickory flooring along with stunning hand hewn beams which compliment the striking cathedral ceilings above the living room. We invite you to explore this extraordinary open space concept home. This forever home features a brand new heating system along with updated plumbing and electrical. Truly move in ready. The master suite has a private deck to enjoy your morning coffee as you watch the wildlife and listen to the zen sounds of the Williams River from your very own modern farmhouse oasis. The kitchen boasts hand poured concrete counter tops and new state of the art stainless steel appliances. Conveniently located on a quiet dead end street, overlooking the majestic Buttonwood Farms rolling green fields. A stroll around the block leads to the lively charm of Chester Village. With shops, dining and more. A short 15 minute drive takes you to Vails Okemo mountain resort for summer and winter fun, with even more shopping and excursions to choose from. Not to mention the Vas trail access. A property not to be missed. Schedule your showing today!

12. 2021-09-11
    price $369,000 1298-char remark

    Show marketing remark (1298 chars)

    Enjoy the sweet Vermont life in this spacious tri-level 5 bedroom, 2 bathroom renovated farmhouse with detached garage. As you walk through the front door, an over whelming feeling of warmth and comfort envelops you. With newly laid solid hickory flooring along with stunning hand hewn beams which compliment the striking cathedral ceilings above the living room. We invite you to explore this extraordinary open space concept home. This forever home features a brand new heating system along with updated plumbing and electrical. Truly move in ready. The master suite has a private deck to enjoy your morning coffee as you watch the wildlife and listen to the zen sounds of the Williams River from your very own modern farmhouse oasis. The kitchen boasts hand poured concrete counter tops and new state of the art stainless steel appliances. Conveniently located on a quiet dead end street, overlooking the majestic Buttonwood Farms rolling green fields. A stroll around the block leads to the lively charm of Chester Village. With shops, dining and more. A short 15 minute drive takes you to Vails Okemo mountain resort for summer and winter fun, with even more shopping and excursions to choose from. Not to mention the Vas trail access. A property not to be missed. Schedule your showing today!

13. 2021-09-01
    listed $389,000 Active 1298-char remark

    Show marketing remark (1298 chars)

    Enjoy the sweet Vermont life in this spacious tri-level 5 bedroom, 2 bathroom renovated farmhouse with detached garage. As you walk through the front door, an over whelming feeling of warmth and comfort envelops you. With newly laid solid hickory flooring along with stunning hand hewn beams which compliment the striking cathedral ceilings above the living room. We invite you to explore this extraordinary open space concept home. This forever home features a brand new heating system along with updated plumbing and electrical. Truly move in ready. The master suite has a private deck to enjoy your morning coffee as you watch the wildlife and listen to the zen sounds of the Williams River from your very own modern farmhouse oasis. The kitchen boasts hand poured concrete counter tops and new state of the art stainless steel appliances. Conveniently located on a quiet dead end street, overlooking the majestic Buttonwood Farms rolling green fields. A stroll around the block leads to the lively charm of Chester Village. With shops, dining and more. A short 15 minute drive takes you to Vails Okemo mountain resort for summer and winter fun, with even more shopping and excursions to choose from. Not to mention the Vas trail access. A property not to be missed. Schedule your showing today!

14. 2021-05-03
    soldstatus $70,000
15. 2021-04-29
    soldstatus $70,000 Closed
16. 2021-03-23
    status Pending
17. 2021-03-18
    listed $79,900 Active
18. 2021-02-05
    soldstatus $131,846
19. 2010-12-28
    soldstatus $185,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast VT · Partial reset (capped growth)

• Current annual tax: $2,919 · $243/mo
• Projected year-2 tax: $5,497 · $458/mo
• Expected delta: +$2,578/yr (+$215/mo · 88.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 70% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,600
• − Mortgage interest: −$23,807
• − Property taxes: −$2,919
• − Insurance: −$2,125
• − Repairs & maintenance: −$3,168
• − Management: −$3,168
• − Depreciation: −$12,364
• Taxable loss: −$7,950
• Est. tax savings @ 24.0%: +$1,908
• After-tax cash flow: $1,403/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

No district data.

Livability — Chester

• Score: 72/100
• State rank: #30
• US rank: #6451

Category grades

Amenities F Commute F Cost of living B+ Crime A+ Employment B Housing A+ Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chester, VT
• Population (ZIP): 4,916

Population outlook (Windsor County) Hauer SSP2

• Today (2025): 53,235 people
• By 2030: 51,269 · -3.7%
• By 2040: 46,517 · -12.6%
• By 2050: 41,859 · -21.4%
• By 2075: 33,298 · -37.5%
• By 2100: 24,523 · -53.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 2% Black 1%
• Common ancestry: Romanian 8% Lithuanian 6% Slovak 6%
• Foreign-born: 4% · Canada
• Languages at home: 97% English-only · French/Haitian/Cajun 2%

Political lean MEDSL · Windsor

• 2024 margin: Solid D (+35.6) · D 66.3% · R 30.7% · Other 2.9%
• 2008→2024 swing: -4.1pp toward R · 2008: 39.7pp · 2024: 35.6pp
• All cycles: 2024: D+35.6 2020: D+38.9 2016: D+32.1 2012: D+38.1 2008: D+39.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 25.13%
• Current HPI: 352.8055
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+129.7% since first listed

15 events — show timeline

• 2026-05-08 Contingent — PrimeMLS
• 2026-04-17 Listed $425,000 PrimeMLS
• 2026-04-10 Coming Soon $425,000 PrimeMLS
• 2021-11-03 Sold (Public Records) $295,000 Public Records
• 2021-10-28 Sold (MLS) $295,000 PrimeMLS
• 2021-09-24 Pending — PrimeMLS
• 2021-09-17 Price Changed $349,000 PrimeMLS
• 2021-09-11 Price Changed $369,000 PrimeMLS
• 2021-09-01 Listed $389,000 PrimeMLS
• 2021-05-03 Sold (Public Records) $70,000 Public Records
• 2021-04-29 Sold (MLS) $70,000 PrimeMLS
• 2021-03-23 Pending — PrimeMLS
• 2021-03-18 Listed $79,900 PrimeMLS
• 2021-02-05 Sold (Public Records) $131,846 Public Records
• 2010-12-28 Sold (Public Records) $185,000 Public Records

Property tax history

-4.6%/yr

Latest (2024): $2,919 · +4.4% YoY. Source: county tax records.