141 Congress Street, St. Albans City, VT, 05478 | $349,000

This beautifully renovated home in the St. Albans Hill section breathes new life into a historic gem. Once part of the Governor Smith Estate, this charming carriage house has been transformed from top to bottom. The reimagined open floor plan lets natural light flow freely, showcasing the brand-new modern kitchen with ample cabinet and counter space, a breakfast bar, and energy-efficient appliances. A spacious mudroom provides generous space for creating seating and storage for coats, shoes, and sports gear, alongside a laundry closet and a convenient half bath. The fully remodeled main bathroom boasts a stylish vanity, updated lighting, new flooring, and modern fixtures. The open living room, with its large windows, offers a versatile space for any layout. Upstairs, the second floor features three lovely bedrooms, ideal for a family or home office. The full, dry basement provides ample storage and houses a nearly new furnace with efficient natural gas service. Outdoor enthusiasts will appreciate the proximity to Aldis Hill and Hard'ack recreation areas, offering hiking, biking, skiing, an indoor/outdoor pool, playground, and fields. Located a short walk from downtown shopping, restaurants, schools, and parks, this home combines charm with convenience. The small attached garage with barn-style doors is perfect for a compact vehicle or lawn equipment, and the landscaped 1/4-acre yard completes this perfect blend of history and modern comfort. Seller is a VT licensed realtor.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 1 full / 1 half
  • Style: Carriage
  • Year Built: 1860
  • Garage: 1-car Garage
  • Heating: Radiator
  • Cooling: None
  • Basement: Concrete Floor,Full,Storage Space,Unfinished
  • Approx Sq. Feet: 1,430
  • Acreage: 0.27
  • Est. Taxes: $4,099
  • Lot Desc: Landscaped,Level
  • Elem. School: St Albans City School
  • Middle School: St. Albans City School
  • High School: BFASt Albans
  • School District: Maple Run USD
  • MLS#: 5010878
  • Website: https://www.raveis.com
    /prop/5010878/141congressstreet_stalbanscity_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 9/19/2024
Listing courtesy of Paul Poquette Realty Group, LLC   Phone: 802-524-9501
Listing Agent: Keri Lombardi-Poquette

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NMLS Mortgage Loan Originator ID 793093

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141 Congress Street, St. Albans City, VT, 05478

$349,000

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 $279,200 $279,200 $279,200
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 $342 $342 $342
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,696 $1,672 $2,206
Total Monthly Payment $2,113 $2,089 $2,623

* 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.