PRICE REDUCED! Charming and light-filled 1857 farmhouse with 28 acres mostly open fields in a great location for easy commute to St. Albans(10), Burlington or Smugglers' Notch Ski Area(25 min). Horse lovers will enjoy the 5 stall, center aisle, tack, feed and wash stall of the gambrel style barn (30'x48') with large loft for hay storage. Property is directly across from the Northwestern Riding facility and their new neighbor boasting stables and riding arena. The property offers a seasonal view of Lake Champlain and the back fields abut the lower part of St. Albans Reservoir and the beginning of the Mill River. The welcoming mudroom, kitchen and family room are all open to each other with the kitchen having lots of counter space. From there you can head out to the three-season room and relax and enjoy the light bouncing off the old maples outside. Bedroom 1 with Full Bath on first floor, with beautiful pine flooring throughout all the rooms. Second bedroom on first floor on the other side of the inviting stairway and central hall. Large living room with hardwood and plenty of windows looking out to the expansive back porch. The second floor has four bedrooms and two full baths along with the laundry room with washer, dryer and slop sink. Bedrooms all have pine floors. From the laundry you can go down the back stairs to the pantry next to the kitchen or go out the back door onto the back porch overlooking the yard, in-ground pool and enjoy sunsets. Basement is full height with concrete floors.
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Our Executive Mortgage Banker:
Our Insurance Division:
$769,000
William Raveis Real Estate
Phone: 888.699.8876
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 | $615,200 | $615,200 | $615,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.456% | 7.171% | 6.276% |
Monthly Tax Payment | $887 | $887 | $887 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,145 | $4,089 | $5,188 |
Total Monthly Payment | $5,124 | $5,068 | $6,167 |
* 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.