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491 Elm Street, Montpelier, VT, 05602 | $598,000
Discover your dream home on 2+ acres of picturesque land, with meadows stretching to the peaceful North Branch River. This contemporary gem offers a perfect mix of serene countryside living just minutes from Montpelier’s vibrant downtown. Inside, a single-level layout is designed for modern comfort and entertaining. The spacious kitchen flows seamlessly into a large dining area and a cozy living room featuring a fireplace, wood floors, and expansive windows that flood the space with natural light. On the opposite end of the home, three bedrooms provide ample privacy, including one with an en suite bathroom and spacious shower. Recent updates like new flooring and fresh exterior paint ensure a move-in-ready experience. The lower level boasts bonus living space, a three-quarter bath, and a large, partially finished rec room, ideal for hobbies or relaxation. French doors lead outside to a deck overlooking the yard, which gently slopes to the riverbank. Enjoy kayaking from your backyard or simply savor the peaceful riverside setting. This energy-efficient sanctuary includes Tesla Solar panels. With proximity to Hubbard Park trails, recreational facilities, and Montpelier’s downtown, this property offers an idyllic retreat with urban convenience. Join us for an open house on Saturday, 10/5, from 10am-1pm
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 1 full / 2 three-quarter
- Style: Contemporary,Ranch
- Year Built: 1951
- Garage: 2-car Garage
- Heating: Propane,Forced Air
- Cooling: None
- Basement: Crawl Space,Full,Partially Finished,Stairs - Interior
- Approx Sq. Feet: 2,950
- Acreage: 2.3
- Est. Taxes: $13,407
- Lot Desc: Curbing,Level,Open,Pond,River Frontage
- Elem. School: Union Elementary School
- Middle School: Main Street Middle School
- High School: Montpelier High School
- School District: Montpelier School District
- MLS#: 5017368
- Website: https://www.raveis.com
/eprop/5017368/491elmstreet_montpelier_vt?source=qrflyer
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 11/24/2024Listing courtesy of Heney Realtors - Element Real Estate (Montpelier) Phone: 802-229-0345
Listing Agent: Lucy Ferrada
William Raveis Family of Services
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888.699.8876
Contact@raveis.com
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Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 793093
203.415.2989
Brian.Skelly@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
491 Elm Street, Montpelier, VT, 05602
$598,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Brian Skelly
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 | $478,400 | $478,400 | $478,400 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.477% | 7.159% | 6.498% |
| Monthly Tax Payment | $1,117 | $1,117 | $1,117 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,183 | $3,180 | $4,102 |
| Total Monthly Payment | $4,392 | $4,389 | $5,311 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484