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Presented by
Paula Fahy Ostop |
22 Rugg Street, St. Albans City, VT, 05478 | $695,000
Welcome home to your private retreat nestled in fabulous upper city location, featuring an exceptionally updated 5 bedroom main home, unparalleled outdoor entertaining space and an oversized garage/shop! Step inside to find a bright and roomy mudroom with heated floors and abundant storage leading to the kitchen. With fresh quartz counters, plenty of natural sunlight and room to gather, the kitchen is only the first delightful living space you’ll fall in love with. The vaulted 4-season sunroom with slider to the pool & patio, and walls of windows might be a close second, or the stately living room with stunning trim work and new wood flooring exuding a classic elegance. The sprawling first floor primary suite is a sanctuary in itself, with a spa like shower, spacious walk in closet, cozy fireplace and electric heat pump it’s clear the recent renovation prioritized functional comfort! Upstairs are 4 more bedrooms, a full bath plus a 3/4 bath! Even the basement has been finished into an exercise room! Venturing outside you can easily envision yourself entertaining on the oversized deck and enjoying pool days from May through September in the heated in-ground pool. The pool house even offers a bathroom so the pool party stays outdoors! The large yard is flat and surrounded with a vinyl privacy fence for virtually no maintenance. The oversized, heated garage/shop has room for any hobby, business or recreation, with 13' ceilings & a half bath. 40x16 unfinished room above
Features
- Rooms: 9
- Bedrooms: 5
- Baths: 2 full / 1 three-quarter / 2 half
- Style: Colonial,Farmhouse
- Year Built: 1864
- Garage: 3-car Garage
- Heating: Baseboard,Heat Pump,Multi Zone,Radiant Floor
- Cooling: Mini Split
- Basement: Partially Finished
- Approx Sq. Feet: 3,428
- Acreage: 0.56
- Est. Taxes: $10,281
- Lot Desc: City Lot,Landscaped,Level,Sidewalks,Stream
- Elem. School: St Albans City School
- Middle School: St. Albans City School
- High School: Bellows Free Academy
- School District: Maple Run USD
- MLS#: 4987514
- Website: https://www.raveis.com
/prop/4987514/22ruggstreet_stalbanscity_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 5/13/2024
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.
Paula Fahy OstopLuxury Properties Specialist
860.748.1845
Paula.Ostop@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.
Paul AddamoVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 93047
860.990.2486
paul.addamo@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
Heidi SummaRegional SVP Insurance Sales, William Raveis Insurance
860.919.8074
Heidi.Summa@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
22 Rugg Street, St. Albans City, VT, 05478
$695,000
Paula Fahy Ostop
Luxury Properties Specialist
William Raveis Real Estate
Phone: 860.748.1845
Paula.Ostop@raveis.com
Paul Addamo
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 860.990.2486
paul.addamo@raveis.com
NMLS Mortgage Loan Originator ID 93047
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $556,000 | $556,000 | $556,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.945% | 7.171% | 6.518% |
| Monthly Tax Payment | $857 | $857 | $857 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,793 | $3,695 | $4,767 |
| Total Monthly Payment | $4,742 | $4,644 | $5,716 |
* 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