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161 Federal Street, St. Albans City, VT, 05478 | $284,900
Welcome to 161 Federal Street, a beautifully maintained haven in the heart of Downtown St. Albans. An incredible value in todays market, this stunning residence boasts upgrades throughout and offers the perfect blend of convenience, space, and charm. Walkability to all that St. Albans has to offer – dining, grocery, shops, and social events. The expansive floor plan features three spacious bedrooms, multiple bonus rooms, and flexible living areas perfect for a growing family or entertaining. The beautifully updated kitchen, elegant dining room, and expansive living room create a warm and inviting atmosphere on the first floor. The second floor offers three spacious bedrooms and a convenient half bath. Start your day with a refreshing cup of coffee on the charming front porch, perfect for relaxing and preparing for the day. A lovingly maintained home with a rich family history, this home has been meticulously maintained and updated with love. Now, it's ready for its new owners to create their own memories. Reach out to schedule your showing today.
Features
- Rooms: 6
- Bedrooms: 3
- Baths: 1 full / 1 half
- Style: Farmhouse
- Year Built: 1868
- Heating: Natural Gas,Baseboard
- Cooling: None
- Basement: Dirt Floor,Unfinished
- Approx Sq. Feet: 1,760
- Acreage: 0.12
- Est. Taxes: $4,549
- Lot Desc: City Lot
- Elem. School: St Albans City School
- Middle School: St. Albans City School
- High School: BFASt Albans
- School District: St Albans City School District
- MLS#: 5019371
- Website: https://www.raveis.com
/prop/5019371/161federalstreet_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 2/28/2025Listing courtesy of M Realty Phone: 802-363-9501
Listing Agent: The Paul Martin Team
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.
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
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
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
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
161 Federal Street, St. Albans City, VT, 05478
$284,900
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 | $227,920 | $227,920 | $227,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.937% | 6.778% | 6.014% |
| Monthly Tax Payment | $379 | $379 | $379 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,385 | $1,459 | $1,893 |
| Total Monthly Payment | $1,839 | $1,913 | $2,347 |
* 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