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430 Elm Street, Derby, VT, 05830 | $210,000
Welcome to this century-old home, perched right on the Canadian border in the picturesque village of Derby Line. Full of warmth, this home greets you with a welcoming front porch framed by a classic white picket fence and vibrant perennial gardens—a perfect spot to savor your coffee as the neighborhood wakes up around you. Step inside and you’re instantly greeted by the glow of original wood floors that speak to the craftsmanship of a bygone era. The heart of the home is the sweet kitchen, where vintage details blend effortlessly with modern convenience; a darling space that feels just right for baking cookies on a Sunday. From here, step out onto the screened-in back porch, the ideal spot to unwind after a long day. Picture yourself curled up with a good book or simply listening to the leaves rustling as the crisp autumn air sets in. This serene porch overlooks a private, fenced backyard—a haven for kids to play, pets to roam, or for you to try your hand at gardening. Nestled in a quiet, friendly neighborhood, it’s just a short walk to Baxter Park and the local school, making it perfect for morning strolls or after-school fun. Situated just minutes from I-91, this home makes commuting a breeze while still feeling worlds away in its peaceful setting. World-class skiing and year-round recreation await at Jay Peak Resort, and the pristine waters of Lake Memphremagog are just a short drive away for boating, fishing, and lakeside relaxation. Showings begin 10/12.
Features
- Rooms: 6
- Bedrooms: 3
- Baths: 1 full / 1 half
- Style: New Englander
- Year Built: 1927
- Garage: 1-car Garage
- Heating: Forced Air
- Cooling: None
- Basement: Unfinished
- Approx Sq. Feet: 1,400
- Acreage: 0.22
- Est. Taxes: $2,437
- Lot Desc: Level
- Elem. School: Derby Elementary
- Middle School: North Country Junior High
- High School: North Country Union High Sch
- MLS#: 5017719
- Website: https://www.raveis.com
/prop/5017719/430elmstreet_derby_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 10/30/2024Listing courtesy of Blue Slate Realty Phone: 802-318-2647
Listing Agent: Kevin Holmes
William Raveis Family of Services
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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
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
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Our Insurance Division:
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
430 Elm Street, Derby, VT, 05830
$210,000
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 | $168,000 | $168,000 | $168,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.375% | 6.990% | 5.990% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.708% | 7.133% | 6.256% |
| Monthly Tax Payment | $203 | $203 | $203 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,160 | $1,117 | $1,417 |
| Total Monthly Payment | $1,438 | $1,395 | $1,695 |
* 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