2101 VT Route 105, Derby, VT, 05829 | $645,000

Huge Price Reduction! Very Motivated Sellers. Lakefront and year-round property. You will be surprised what this home offers! Come see this hidden gem! Four bedrooms. The house is located far from the road and there is privacy on both sides of the property with a separate cottage for guests. The boats and water are waiting for you to jump in! Sit on the private 280' lake shore or the screened-in porch to watch the birds and wildlife, and smell all of the beautiful perennials all around the yard. Gather round the fire pit. There are so many choices, you won't know what to do first. You can invite friends and relatives and still keep your privacy because there is a sweet 800 sq ft cottage totally separate from the main house with a full kitchen, one bedroom, and a screened-in porch. Fish on the 114' Dock, take out the 20 ft Pontoon Boat, pick Berries from the berry patch, The bonuses keep on going, too, with a 30X30 insulated, two-car garage. If that isn't enough, there is a storage shed hidden away under trees. You will find plenty of storage with sizable closets in all rooms. The owners have lovingly cared for the property inside and out. You will be able to move in and relax OR invite people over as you prepare a meal in the updated kitchen or cook over the outside fireplace. Come check out your dream-come-true home. The Owners have done all the work inside and out. Prepare to relax!

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 1 full / 1 three-quarter
  • Style: Ranch
  • Year Built: 1962
  • Garage: 2-car Garage
  • Heating: Hot Air,Stove - Pellet,Wall Units
  • Cooling: None
  • Basement: Sump Pump,Unfinished,Interior Access
  • Approx Sq. Feet: 1,152
  • Acreage: 1.52
  • Est. Taxes: $4,776
  • Lot Desc: Lake Access,Lake Frontage,Lake View,Lakes,Landscaped,Level,Open,Secluded,View,Water View,Waterfront
  • Water Front: Yes
  • Elem. School: Derby Elementary
  • Middle School: North Country Junior High
  • High School: North Country Union High Sch
  • School District: North Country Supervisory Union
  • MLS#: 5000695
  • Website: https://www.raveis.com
    /prop/5000695/2101vtroute105_derby_vt?source=qrflyer
©2024 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 9/27/2024
Listing courtesy of Big Bear Real Estate   Phone: 802-744-6844
Listing Agent: Marilyn Zophar

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
  • Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

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

2101 VT Route 105, Derby, VT, 05829

$645,000

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 $516,000 $516,000 $516,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.125% 4.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.512% 6.273% 5.248%
Monthly Tax Payment $398 $398 $398
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,219 $3,135 $4,078
Total Monthly Payment $3,709 $3,625 $4,568

* 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.