21-23 Garden Street, Proctor, VT, 05765 | $389,900

PROCTOR DUPLEX WITH HIGH INCOME - GREAT STARTER OR RETIREMENT HOME AS WELL AS AN AFFORDABLE VACATION/SECOND HOME SITUATED ON A DEAD END ROAD IN OUTSKIRTS OF TOWN. Live in 1 side and rent the other to offset costs or consider Airbnb for add'l income! Property could be used as a single or multi-family. Current rental income is $2, 350/month for #23. There are 5-6 bedrooms and both units have enclosed porches on the front and rear. Unit #21 has beautiful hardwood floors. Seller has replaced oil tanks, furnaces, hot water tanks, added 3 heat/air pumps to lower heating costs and also added a water softner. Also, property is well insulated and the entire house was rewired. There's plenty of storage space with the detached 2-car garage and backyard that could be expanded. Low maintenance with slate roof. Close to several Vermont ski areas, Killington and Pico (approx. 25 minutes) and the lakes region, including popular Lake Bomoseen. Also, close to Rutland, shopping and restaurants. Backyard has additional room to expand. Call to schedule an appointment!


  • Rooms: 10
  • Bedrooms: 5
  • Baths: 2 full
  • Units: 2
  • Style: Duplex
  • Year Built: 1900
  • Garage: 2-car Garage
  • Heating: Baseboard,Heat Pump,Stove - Gas
  • Cooling: Wall AC Units
  • Basement: Other,Stairs - Interior,Unfinished
  • Approx Sq. Feet: 2,304
  • Acreage: 0.62
  • Est. Taxes: $2,780
  • Lot Desc: Sloping
  • Elem. School: Proctor Elementary School
  • Middle School: Proctor Jr/Sr High School
  • High School: Proctor Jr/Sr High School
  • School District: Proctors School District
  • MLS#: 4949355
  • Website: https://www.raveis.com
©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 4/18/2024
Listing courtesy of Westside Real Estate   Phone: 802-438-5341
Listing Agent: Melissa Loughan

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.

Customer Service



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.

Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093



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

Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance



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

21-23 Garden Street, Proctor, VT, 05765


Customer Service

William Raveis Real Estate

Phone: 888.699.8876


Brian Skelly

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.415.2989


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 $311,920 $311,920 $311,920
Term 360 months 360 months 180 months
Initial Interest Rate** 7.625% 7.375% 6.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 8.157% 7.535% 7.001%
Monthly Tax Payment $232 $232 $232
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,208 $2,154 $2,760
Total Monthly Payment $2,515 $2,461 $3,067

* 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.