25 Oak Avenue, Effingham, NH, 03882 | $498,500

A rare opportunity to own a lakeside oasis for under half a million dollars! Nestled along the serene shores of Province Lake, this waterfront property has an impressive 50 feet of shorefront featuring a shared raised sandy beach. Enjoy stunning mountain and lake views to the south and west, under the shade of stately pine trees, setting the scene for tranquil days and breathtaking sunsets. This seasonal cottage offers a perfect blend of relaxation and recreation. The open-concept kitchen and living area are equipped with modern conveniences, and the open wood beams add a rustic charm to the d├ęcor. Upstairs, a charming bedroom offers tranquil lake views and restful nights. But the best part of this property is just outside your door. Your 30-foot wood & aluminum dock and trampoline raft provide endless hours of waterborne enjoyment. Imagine boating, water skiing, paddle boarding, fishing and swimming on this unforgettable 968 acre lake. You might catch the sight of the loons or bald eagles that grace this beautiful lake. Or head over to the 18-hole Province Lake Golf Course and have lunch at the Carriage House. Additional amenities of the property include ample storage sheds, a firepit, deck, a picnic area, a play area, and an outdoor shower for convenience. Now is your chance to secure this enchanting lakeside retreat. Act swiftly to make this delightful cottage your new home away from home!


  • Rooms: 3
  • Bedrooms: 1
  • Baths: 1 three-quarter
  • Style: Cottage/Camp
  • Year Built: 2006
  • Heating: Electric
  • Cooling: None
  • Approx Sq. Feet: 339
  • Acreage: 0.11
  • Est. Taxes: $6,881
  • Lot Desc: Beach Access,Lake Access,Lake Frontage,Lake View,Mountain View,Recreational,View,Water View,Waterfront
  • Water Front: Yes
  • Elem. School: Effingham Elementary School
  • MLS#: 4971230
  • 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 4/19/2024
Listing courtesy of Badger Peabody & Smith Realty   Phone: 603-356-5757
Listing Agent: Kevin Killourie

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25 Oak Avenue, Effingham, NH, 03882


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5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $398,800 $398,800 $398,800
Term 360 months 360 months 180 months
Initial Interest Rate** 7.625% 7.375% 6.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 8.157% 7.522% 6.780%
Monthly Tax Payment $573 $573 $573
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,823 $2,754 $3,472
Total Monthly Payment $3,471 $3,402 $4,120

* 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.