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239 North Main Street, St. Albans City, VT, 05478 | $299,900
This three bedroom two bath farmhouse condo offers simplified living that is close to dining, shopping, the Rail Trail, schools, hospital, and so much more! Entering via your large fully enclosed seasonal back porch provides a wonderful blank canvas to create a setting for morning coffee and summertime gatherings. You could also carve out an area here to use as your mud room, as it leads directly into your beautifully maintained home with so much character. The hand crafted ceiling height wooden kitchen cabinets, farmhouse sink, and wood flooring throughout are certainly conversation pieces and serve as the setting for the inviting warmth this home exudes. While the exterior is farmhouse, the interior flows like a bungalow style home with the kitchen, dining, living room, and parlour all being large areas open to one another. A 1/2 bath wraps-up the first floor. Upstairs are your three bedrooms and a full bath. A fresh coat of paint throughout this entire home and professional cleaning makes this property ready when you are to move in and create home!
Features
- Heating: Baseboard
- Cooling: None
- Amenities: Master Insurance,Landscaping,Snow Removal
- Rooms: 6
- Bedrooms: 3
- Baths: 1 full / 1 half
- Complex: Hefflon Lane Condominium
- Year Built: 1860
- Approx Sq. Feet: 1,560
- Lot Desc: City Lot,Sidewalks,Trail/Near Trail
- Elem. School: St Albans City School
- Middle School: St. Albans City School
- High School: BFASt Albans
- School District: Maple Run USD
- MLS#: 4988242
- Website: https://www.raveis.com
/prop/4988242/239northmainstreet_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 6/16/2024Listing courtesy of Your Journey Real Estate Phone: 802-483-4187
Listing Agent: Leigh Horton
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
- 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
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
239 North Main Street, St. Albans City, VT, 05478
$299,900
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 | $239,920 | $239,920 | $239,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.750% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.737% | 7.055% | 6.120% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,556 | $1,576 | $2,008 |
| Total Monthly Payment | $1,631 | $1,651 | $2,083 |
* 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