This lovely, 2-story Georgia home featuring seasonal views of Lake Champlain checks all of your boxes! Built in the 1950's, this wonderful 3-bedroom, 2. 5-bath home has been lovingly maintained and updated for modern living, while preserving some of its original "farmhouse" charm. The property includes a 2-car garage and is set back from the road on a slight knoll with a large, newly fenced-in yard. The location is a real bonus, just minutes to schools, downtown St. Albans, Lake Champlain, and I-89 for a quick commute to Burlington! With 2 entrances, a covered front porch landing, and a necessary Vermont mudroom entry with access to the garage and backyard, it is great for dropping off backpacks, groceries, and sports gear. The spacious eat-in kitchen has an abundance of wood cabinets, counter space, and a large island/eating bar. The expansive living room has enough space for a dining area too and a cozy office/study is just off the kitchen. A half bath and laundry closet complete the first floor. On the second level is a primary suite with full bath, 2 additional bright sunny bedrooms, and another full bath. The upstairs landing boasts a convenient storage closet and cozy reading nook, and the unfinished basement offers even more potential. This comfortable home has it all! High school choice too! An assumable VA loan is available to qualified buyers at 2. 65%. Schedule a showing today!
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William Raveis Real Estate
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Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
NMLS Mortgage Loan Originator ID 793093
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $319,600 | $319,600 | $319,600 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.616% | 7.055% | 6.256% |
Monthly Tax Payment | $373 | $373 | $373 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,153 | $2,100 | $2,695 |
Total Monthly Payment | $2,601 | $2,548 | $3,143 |
* 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.