Listed by Michael Normyle • Mary W. Davis Realtor & Assoc., Inc. (Off: 802-228-8811) Bought with Mary W. Davis Realtor & Assoc., Inc.

Off market nov 2025 for $700K

$890,543

Est. refi paymentEst. refi $4,584/mo

•

1,644

sq ft

104 Spruce Ln, Ludlow, VT 05149

About this home

Discover a rare opportunity with approximately 200 feet of prime lake frontage. This cozy two-bedroom, two-bath home is a blank slate for you to create your dream lakeside escape. The property is a diamond in the rough! This a large level lot with a gently sloping path to the water, making it easy to enjoy all your favorite lake activities. A spacious garage provides plenty of room for vehicles and storage. The best part? This property comes with an approved four-bedroom septic permit, giving you the flexibility to finish or expand the existing home. With its easy water access and development potential, this is an ideal property for a buyer looking to invest in a fantastic lakefront location.

Single-familyProperty Type

1988Year Built

1 acresLot Size

$542Est. Price/Sq.Ft.

2 garage spacesParking

Listed by Michael Normyle • Mary W. Davis Realtor & Assoc., Inc.

Contact: Off: 802-228-8811

Bought with Elissa Scully • Mary W. Davis Realtor & Assoc., Inc.

Redfin checked: a few seconds ago

•Source:PrimeMLS #5063567

Redfin Estimate

$890,543

$191K since sold in November 2025$17K since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 68.1% higher than the average sale price ($530K) of 6 comparable homes.

SOLD AUG 28, 2026
$579,000
A
3 beds2 baths1,580 sq ft
31 Plumley Rdg, Ludlow, VT 05149
SOLD OCT 2, 2026
$835,000
B
3 beds3 baths2,294 sq ft
66 Scott's Lndg, Ludlow, VT 05149
SOLD OCT 12, 2026
$339,000
C
3 beds2 baths1,694 sq ft
343 Dublin Rd, Plymouth, VT 05056
SOLD OCT 2, 2026
$350,000
D
2 beds1 bath1,100 sq ft
696 Route 100 N, Ludlow, VT 05149
SOLD MAR 20, 2026
$525,000
E
3 beds2 baths1,552 sq ft
368 Crimson Hawk Rd, Plymouth, VT 05056
SOLD FEB 27, 2026
$550,500
F
3 beds2 baths1,728 sq ft
405 Soaring Hawk Rd, Plymouth, VT 05056

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Earn from this home

Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$1,853/mo

Redfin rental estimate

List your home for rent

Market trends in 05149, VT

Last updated September 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-list price

95.2%

0.8% MoM

Median sale price

$532K

$87K MoM

Avg. days on market

112d

1 days MoM

Recently sold homes

5 MoM

New listings for sale

NEW 34 HRS AGO
$995,000
4 beds2.5 baths1,842 sq ft
281 Okemo Trailside Ext Unit 30A, Ludlow, VT 05149
$395,000
3 beds2 baths2,744 sq ft
27 Paul's Way, Ludlow, VT 05149
VIDEO TOUR
$599,000
5 beds4 baths3,062 sq ft
9 Ives Rd, Ludlow, VT 05149
VIDEO TOUR
$395,000
1 bed2 baths976 sq ft
818 Jackson Gore Rd Unit 818 Q1-4, Ludlow, VT 05149
See all

Provided by Redfin

Sale history for 104 Spruce Ln

Year

Property tax

Land + Additions

Assessment*

2025

$10,473 (+19.3%)

$306,000 + $222,000

$528,000

2024

$8,779 (+1.0%)

$306,000 + $222,000

$528,000

2023

$8,690 (−11.5%)

$306,000 + $222,000

$528,000

2022

$9,825 (−2.0%)

$306,000 + $222,000

$528,000

2021

$10,021 (+29.7%)

$306,000 + $222,000

$528,000

2020

$7,726 (+1.4%)

$208,100 + $170,000

$378,100

2019

$7,621 (+1.5%)

$208,100 + $170,000

$378,100

2018

$7,508 (+0.6%)

$208,100 + $170,000

$378,100

2016

$7,465 (−2.5%)

$208,100 + $170,000

$378,100

2015

$7,657 (+168.2%)

$208,100 + $170,000

$378,100

2014

$2,855

$208,100 + $170,000

$378,100

Tax history for 104 Spruce Ln

Year

Property tax

Land + Additions

Assessment*

2025

$10,473 (+19.3%)

$306,000 + $222,000

$528,000

2024

$8,779 (+1.0%)

$306,000 + $222,000

$528,000

2023

$8,690 (−11.5%)

$306,000 + $222,000

$528,000

2022

$9,825 (−2.0%)

$306,000 + $222,000

$528,000

2021

$10,021 (+29.7%)

$306,000 + $222,000

$528,000

2020

$7,726 (+1.4%)

$208,100 + $170,000

$378,100

2019

$7,621 (+1.5%)

$208,100 + $170,000

$378,100

2018

$7,508 (+0.6%)

$208,100 + $170,000

$378,100

2016

$7,465 (−2.5%)

$208,100 + $170,000

$378,100

2015

$7,657 (+168.2%)

$208,100 + $170,000

$378,100

2014

$2,855

$208,100 + $170,000

$378,100

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

43,560

Year renovated

1991

Sq. Ft.

1,644

Year built

1988

Style

Single Family Residential

County

Windsor County

APN

36311211302

Parking Spaces

Basement

Accessible

HOA Dues

—

Garage

Yes

Features

Views, Waterfront

Last updated by owner on Jul 16, 2026.

LAKES

Lakes District

The specific purpose of the Lakes District is to preserve and enhance high quality waters, to provide for the beneficial use of public waters by the general public, to protect shore lands of waters that are unsuitable for development, to maintain a low density of development, and to maintain high standards of quality for permitted development.

Permitted uses

Include but are not limited to:

Housing-Single unit
Recreation

Property details

Parking

Parking & Garage
Garage Capacity: 2

Interior

Bathroom Information
# of Baths (full): 2

Other Interior Features
# of Rooms: 9
Flooring: Carpet, Ceramic Tile, Softwood, Vinyl

Equipment & Appliance Information
Dishwasher, Dryer, Microwave, Range - Electric, Refrigerator, Washer

Room 1 Information
Kitchen
Kitchen
Level: 1

Room 2 Information
Dining Room
Level: 1

Room 3 Information
Living Room
Level: 1

Room 4 Information
Master Bedroom
Level: 1

Room 5 Information
Full Bath
Level: 1

Room 6 Information
Bedroom
Bedroom
Level: 1

Room 7 Information
Full Bath
Level: 1

Room 8 Information
Porch
Level: 1

Room 9 Information
Other
Level: 1

Exterior

Building Information
Architectural Style: Contemporary, Ranch
Construction Status: Existing
Construction Materials: Vinyl Siding
Approximate Sq. Ft. Total Finished: 1644
Approximate Sq. Ft. Total: 3288
Roof: Metal

Driveway
Gravel

Lot, Zoning, & Easement Information
Lot Features: Lake Frontage

Survey Information
Surveyed: Unknown

Boat, Moorage, and Water Information
Water Body Name: Lake Pauline

Other Property & Lot Information
Year Built: 1988
Water View: Yes
Water View: Y
Waterfront: Yes
Waterfront Rights: Exclusively Owned
Water Body Name: Lake Pauline
Water Body Access: Yes
Directly Adjoining

Financial

Tax Information
Tax Year: 2025
Gross Amount Tax: 12203.64
SPAN Number: 363-112-11302

Other Tax Information
Page Deed: 129

Utilities

Heating & Cooling Information
Heat: Propane, Baseboard

Sewer Information
1000 Gallon

Electric Information
Electric Company: Ludlow Electric
200 Amp

Water Information
Water Restrictions: Yes
Water Frontage Length: 200
Water Source: Drilled Well

Other Utilities Information
Internet: Internet - Cable
Cable Company: Comcast
Fuel Company: HB Energy
Phone Company: TDS
Phone, Cable

Location

Road Information
Road Frontage Type: Public Maintained Road
Road Frontage: Yes
Road Frontage Length: 200

Other Location Information
Directions: From VT Rte 100 turn onto Red Bridge Rd., and then right on Spruce Lane in approx. 200 yards. House is on the right approx. 150 down the lane.

Public facts

Beds: 2
Baths: 2.0
Sq. Ft.: 1,644
Stories: 2.0
Parking Spaces: 4
Basement: No
Accessible: No
Lot Size: 1 acres
Style: Single Family Residential
Year Built: 1988
Year Renovated: 1991
County: Windsor County
APN: 36311211302
HOA Dues: —
Garage: Yes
Features: Views, Waterfront

Home facts updated by owner on Jul 16, 2026

Other

Water Body Information
Lake
Flood Zone: Land Only

Around this home

Schools

Ludlow Elementary School

Public PreK-6 • Assigned • 3.1mi

Riverside School

Public 6-8 • Assigned • 13.8mi

4/10

Woodstock Senior Uhsd #4

Public 7-12 • Assigned • 14.0mi

8/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

1/10 Heat Factor

7 days above 89° expected this year, 17 days in 30 years

3/10 Wind Factor

5% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Ludlow, VT • 05149

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 8.3 hours in June and 3.4 hours in December, placing it below the U.S. average for solar exposure.

8.3 hrs

3.4 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$847,000 – $1.02M

Sell confidently with a local market expert in Ludlow. 3 minutes to get started.

Nearby similar homes

$519,000

3 beds1.5 baths1,097 sq ft

4726 Route 100, Plymouth, VT 05056

Propane rinnai heat • Electric baseboards • Hot tub

VIDEO TOUR

$1,970,000

5 beds5.5 baths4,965 sq ft

93 Godfrey Rd, Ludlow, VT 05149

Expansive lawns • Perennial gardens • Picturesque ponds

FOR SALE BY OWNER

$875,000

4 beds3.5 baths2,983 sq ft

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Wood burning stove • Open concept living • Deck access

3D WALKTHROUGH

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Eat-in kitchen • Exposed beams • Cozy wood stove

3D WALKTHROUGH

$1,290,000

5 beds3 baths3,042 sq ft

39 Snowy Owl Ln, Plymouth, VT 05056

Private acres • Seasonal views • Premium materials

VIDEO TOUR

$1,250,000

5 beds3.5 baths3,563 sq ft

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Wooded setting • Great room • Oversized island

New listings for sale in 05149

NEW 34 HRS AGO3D WALKTHROUGH

$995,000

4 beds2.5 baths1,842 sq ft

281 Okemo Trailside Ext Unit 30A, Ludlow, VT 05149

Wrap-around deck • Open floor plan • Updated kitchen

$395,000

3 beds2 baths2,744 sq ft

27 Paul's Way, Ludlow, VT 05149

Wall of windows • Wood ceilings • Open living concept

VIDEO TOUR

$599,000

5 beds4 baths3,062 sq ft

9 Ives Rd, Ludlow, VT 05149

Mudroom • Hardwood floors • Chef's kitchen

VIDEO TOUR

$395,000

1 bed2 baths976 sq ft

818 Jackson Gore Rd Unit 818 Q1-4, Ludlow, VT 05149

Fitness center • Owners lockers • Rental opportunities

Home values near 104 Spruce Ln

Data from public records.

Address	Redfin Estimate
88 Spruce Ln, Ludlow, VT 3 Beds \| 2 Baths \| 1600 Sq. Ft.	$1,034,286
125 Spruce Ln, Ludlow, VT 4 Beds \| 2 Baths \| 1824 Sq. Ft.	$616,094

Address	Redfin Estimate
107 Spruce Ln, Ludlow, VT 3 Beds \| 2.5 Baths \| 4484 Sq. Ft.	$1,149,438
57 Spruce Ln, Ludlow, VT 4 Beds \| 2 Baths \| 2281 Sq. Ft.	$620,806

Address	Redfin Estimate
99 Spruce Ln, Ludlow, VT 3 Beds \| 2 Baths \| 3598 Sq. Ft.	$713,873
22 Spruce Ln, Ludlow, VT 5 Beds \| 2.5 Baths \| 3960 Sq. Ft.	$888,025

Property information provided by PrimeMLS when last listed in 2025. This data may not show owner updates. Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 05149, VT

Sale history for 104 Spruce Ln

Tax history for 104 Spruce Ln

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 05149

Home values near 104 Spruce Ln

More real estate resources