58 Messenger Street, St. Albans City, VT, 05478 | $270,000

Imagine stepping into a time when homes were crafted with care and a touch of mid-century magic. This cozy St. Albans bungalow welcomes you with all the charm of yesteryear, paired with the promise of endless possibilities. As you walk through the front door, sunlight dances across the warm wood accents and vintage details that whisper of a simpler time. The layout invites you to linger—whether you're curled up with a book in the living room or preparing a meal in the cozy kitchen, everything feels just right. Downstairs, the full walkout basement holds the key to your future plans. A space to transform—a home gym, a creative studio, or the ultimate rec room, complete with a bathroom! Outside, the deep city lot stretches before you, a blank canvas for your imagination. Will it be a lush garden, a place for lawn games, or a serene retreat under the trees? Picture summer evenings spent grilling with friends or quiet mornings savoring coffee as the city awakens around you. Just minutes from the vibrant heart of St. Albans, you’re close to local cafes, shops, and everything that makes this community so beloved. Showings begin 1/11/25.

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 1 full / 1 three-quarter
  • Style: Ranch
  • Year Built: 1956
  • Garage: 1-car Garage
  • Heating: Natural Gas
  • Cooling: None
  • Basement: Stairs - Interior,Storage Space,Interior Access,Exterior Access
  • Approx Sq. Feet: 1,200
  • Acreage: 0.41
  • Est. Taxes: $5,370
  • Lot Desc: Sidewalks,Street Lights,In Town,Near Country Club,Near Golf Course,Near Shopping,Near Skiing,Neighborhood,Near Hospital,Near School(s)
  • Elem. School: St Albans City School
  • Middle School: St. Albans City School
  • High School: BFASt Albans
  • School District: Maple Run USD
  • MLS#: 5025829
  • Website: https://www.raveis.com
    /prop/5025829/58messengerstreet_stalbanscity_vt?source=qrflyer
©2025 New England Real Estate Network, Inc. All rights reserved.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 1/8/2025
Listing courtesy of Blue Slate Realty   Phone: 802-318-2647
Listing Agent: Blue Slate Realty

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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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860.690.5052

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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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58 Messenger Street, St. Albans City, VT, 05478

$270,000

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 $216,000 $216,000 $216,000
Term 360 months 360 months 180 months
Initial Interest Rate** 7.000% 7.125% 6.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.330% 7.295% 6.538%
Monthly Tax Payment $448 $448 $448
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,437 $1,455 $1,852
Total Monthly Payment $1,960 $1,978 $2,375

* 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.