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277 Water Street, Albany, VT, 05820 | $165,000
Edge of town location on a large lot is where you will find this 3-bed, 1-bath cozy Cape with oversized garage and additional carport. Owners have updated most windows as well as oil furnace. Albany Village School is a mile away and the store just up the street. Attached garage has room for the toys as well as direct entry to the mudroom. Out back you will find a carport and lots of room for the family to unwind. Sellers added 2 nursery apple trees that produce nicely and a pear tree. This property has been weatherized and some spray foam added. Solar panels are leased and sized nicely for this home. Albany residents have access to the Craftsbury Outdoor Touring Center and the new Genny Store in town. Albany is a quintessential Vermont town where everyone knows everyone and looks out for each other. A community that welcomes involvement and has an awesome summer parade! Surrounded by farming and open land, this setting is as country as you can get. All Albany roads are open to ATV use and VAST trail is close by. Many pristine freshwater lakes within minutes include Caspian, Willoughby, Crystal and Memphremagog. Waiting for you to roll up your sleeves and get involved, this is where roots grow deep!
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 1 full
- Style: Cape
- Year Built: 1880
- Garage: 1-car Garage
- Heating: Forced Air,Stove - Pellet
- Cooling: None
- Basement: Crawl Space,Dirt,Full,Stairs - Interior,Sump Pump
- Approx Sq. Feet: 1,400
- Acreage: 1.25
- Est. Taxes: $1,950
- Lot Desc: Country Setting,Trail/Near Trail
- Elem. School: Albany Community School
- Middle School: Albany Community School
- High School: Lake Region Union High Sch
- School District: Orleans Central
- MLS#: 4987566
- Website: https://www.raveis.com
/prop/4987566/277waterstreet_albany_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 5/9/2024Listing courtesy of Century 21 Farm & Forest Phone: 802-334-1200
Listing Agent: Lyell Reed
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
277 Water Street, Albany, VT, 05820
$165,000
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 | $132,000 | $132,000 | $132,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.125% | 6.990% | 6.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.893% | 7.171% | 6.623% |
| Monthly Tax Payment | $163 | $163 | $163 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $889 | $877 | $1,141 |
| Total Monthly Payment | $1,126 | $1,114 | $1,378 |
* 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