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296 South Main Street, St. Albans City, VT, 05478 | $432,500
Step into Timeless Charm! Welcome to this extraordinary vintage farmhouse, a true gem that seamlessly blends historic charm with contemporary updates. Situated on beautifully manicured grounds, this home offers an inviting wrap-around porch—complete with a cozy swing, perfect for relaxing or curling up with a book. The interior shines with rich hardwood floors, custom built-ins, and a spacious den on the main level, easily adaptable into a primary suite with an adjacent full bath. The updated features include new carpet, fresh paint, landscaping, a new boiler, and so much more! The two-tiered deck overlooks lush gardens, making it an ideal space for outdoor entertaining. And when it’s time to unwind, you can enjoy summer days by the in-ground pool, set in your own private oasis. This property is perfectly located for both adventure and tranquility, with nearby parks, hiking and biking trails, golf course, and mountains. Just minutes from Lake Champlain and Downtown St. Albans, and a short commute to Downtown Burlington, UVM/Colleges & the airport, and within reach of Montreal, Canada. Nearby, you'll find the medical center, schools, shopping, dining, and essential amenities. Whether you're seeking a peaceful retreat or an active lifestyle, this home offers the best of both worlds!
Features
- Rooms: 10
- Bedrooms: 4
- Baths: 2 full
- Style: Farmhouse
- Year Built: 1840
- Garage: 1-car Garage
- Heating: Natural Gas,Hot Water,Radiator
- Cooling: None
- Basement: Stairs - Interior,Storage Space,Unfinished,Interior Access
- Approx Sq. Feet: 2,800
- Acreage: 0.54
- Est. Taxes: $6,942
- Lot Desc: Curbing,Landscaped,Recreational,Near Shopping,Near Hospital
- Elem. School: St Albans City School
- Middle School: St. Albans City School
- High School: BFASt Albans
- School District: Maple Run USD
- MLS#: 5017958
- Website: https://www.raveis.com
/prop/5017958/296southmainstreet_stalbanscity_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 11/27/2024Listing courtesy of Four Seasons Sotheby's Int'l Realty Phone: 802-864-0541
Listing Agent: Karen Bresnahan
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
296 South Main Street, St. Albans City, VT, 05478
$432,500
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 | $346,000 | $346,000 | $346,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.000% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.477% | 7.055% | 6.160% |
| Monthly Tax Payment | $579 | $579 | $579 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,302 | $2,273 | $2,896 |
| Total Monthly Payment | $2,955 | $2,926 | $3,549 |
* 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