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276 Lake Street, St. Albans City, VT, 05478 | $259,000
Want a rehab project to make this home your own? How about a $50, 000 grant to create an additional 3 bedroom rental. This home has been approved for a transferable state grant for building rehab and creating a multifamily building. It's like getting a 50, 000 rebate to renovate at closing. The property has had partial remodeling done, is currently occupied and would be a great project for an ambitious buyer. Take the effort this owner has started and finish this home your way as either a new personal residence or an investment property. The home has 2 pellet stoves and a gas heater. The property benefits from a 2 car garage and frontage on Lake Street and a driveway right of way off Russell Street. Modify the existing floor plan or use the approved grant to do an addition for an accessory dwelling. Come take a look and bring your vision to create a home done your way.
Features
- Rooms: 7
- Bedrooms: 4
- Baths: 1 three-quarter / 1 half
- Style: Cape,w/Addition
- Year Built: 1868
- Garage: 2-car Garage
- Heating: Natural Gas,Gas Heater - Unvented,Stove - Pellet
- Cooling: None
- Basement: Unfinished
- Approx Sq. Feet: 1,314
- Acreage: 0.16
- Est. Taxes: $3,069
- Lot Desc: Level
- Elem. School: St Albans City School
- Middle School: St. Albans City School
- High School: Bellows Free Academy
- School District: Maple Run USD
- MLS#: 5025294
- Website: https://www.raveis.com
/prop/5025294/276lakestreet_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 1/6/2025Listing courtesy of eXp Realty Phone: 802-868-6367
Listing Agent: Shawn Cheney
William Raveis Family of Services
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888.699.8876
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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
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
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Our Insurance Division:
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
276 Lake Street, St. Albans City, VT, 05478
$259,000
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 | $207,200 | $207,200 | $207,200 |
| 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 | 7.330% | 7.171% | 6.538% |
| Monthly Tax Payment | $256 | $256 | $256 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,379 | $1,377 | $1,777 |
| Total Monthly Payment | $1,710 | $1,708 | $2,108 |
* 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