Welcome to the Vermont Birch House! This charming Island home welcomes you with a covered porch running the length of the house, leading to a west-facing sun deck perfect for enjoying Vermont's stunning sunsets. Nestled on a super private 4-acre lot surrounded by birches and cedars, this property offers 30 feet of deeded lake access. The serene setting is adjacent to the 71-acre Pelots Bay Natural Area, providing direct access to hiking and snowshoeing trails with picturesque views of Pelots Bay. The renovated galley kitchen and dining area are a chef's dream, featuring quartz countertops, a subway tile backsplash, an LG stainless gas range, a French door fridge, white cabinets, pine shelving, and a large farmhouse sink. The living room exudes rustic charm with its brick floors, Vermont wood stove, and pine ceilings. The first floor hosts two nicely appointed bedrooms with brick flooring and pine ceilings, along with a full bath that boasts penny tile, a retro sink, a tub with glass doors, and bead board trim. The lower level is a cozy retreat, offering three built-in bunks, a carpeted family room with a VT Hearthstone gas stove, and an office/sunroom with French doors opening to garden views. A beautifully renovated 3/4 bath on this level includes built-in shelving, a washer and dryer, and a custom beveled glass shower. Experience the perfect blend of modern amenities and rustic charm at the Vermont Birch House, where every detail is designed for comfort and relaxation.
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Our Executive Mortgage Banker:
Our Insurance Division:
$649,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $519,920 | $519,920 | $519,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.125% | 5.000% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.490% | 6.273% | 5.278% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,286 | $3,159 | $4,111 |
Total Monthly Payment | $3,378 | $3,251 | $4,203 |
* 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.