Discover this charming 3-bedroom, 2-bath colonial just a stroll from downtown Montpelier! Enter through the inviting covered front porch and be greeted by hardwood floors that highlight the home’s historic charm. Enjoy the open layout on the first floor that includes a cozy living room with a pellet stove for additional warmth on those cold winter nights. Flowing seamlessly from the living room is a versatile flex space ideal for a dining area or family room. The well-designed kitchen boasts ample cabinet space and a functional island, with a back door leading to a private, low-maintenance backyard that's perfect for summer barbecues. A ¾ bath with a washer and dryer is also conveniently located on the first floor. Upstairs, you'll find all three bedrooms, each offering natural light, along with a full bathroom featuring a charming clawfoot tub. A spacious landing area on the second floor provides the perfect spot for a home office. The finished third level boasts a versatile space that could serve as a children’s playroom or yoga studio. Recent updates include a new front door, spray foam insulation in the basement, and new gutters on the back of the house. Rest assured, this property DID NOT experience flooding in 2023 or 2024.
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Our Executive Mortgage Banker:
Our Insurance Division:
$349,900
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 | $279,920 | $279,920 | $279,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 5.990% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.470% | 6.161% | 5.248% |
Monthly Tax Payment | $564 | $564 | $564 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,701 | $1,676 | $2,212 |
Total Monthly Payment | $2,340 | $2,315 | $2,851 |
* 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.