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65 Congress Street, St. Albans City, VT, 05478 | $564,900
Welcome to this beautifully renovated Colonial Revival home in the sought-after Hill Section of St. Albans. What an opportunity! This home includes an attached apartment, ideal for earning extra income or for multi-generational living. Thoughtfully updated from top to bottom, featuring new windows, roof, kitchens, baths, furnace, and hot water heater, it's ready to go for its new owners. The inviting covered front porch offers a charming spot to relax and enjoy the neighborhood. Inside you will find gleaming hardwood floors as well as brand-new custom windows in the whole house! The living and family rooms are quite spacious, and the kitchen is completely remodeled with custom cabinetry, updated appliances, and granite countertops. You will love the historic details in the dining room showcasing a built-in china cabinet, wainscoting, and a great space for a future scullery or swanky bar. A large half bath rounds out the first floor. Upstairs there are 4 nicely sized bedrooms, a full bath, the primary suite with its own bath, and very convenient upstairs laundry. The attached apartment has been fully updated too! A well-appointed kitchen, family room, and half bath on the first floor, and an oversized bedroom and full bath on the second floor. What a great opportunity to have a tenant help you pay your mortgage or for a multi-generational living situation. Near shopping, schools, parks, hospital, and I-89. Don't miss out on this gem of property. Schedule your showing today!
Features
- Rooms: 11
- Bedrooms: 5
- Baths: 3 full / 2 half
- Style: Colonial
- Year Built: 1870
- Heating: Natural Gas,Baseboard,Hot Water,Multi Zone,Radiator
- Cooling: None
- Basement: Unfinished
- Approx Sq. Feet: 3,812
- Acreage: 0.19
- Est. Taxes: $10,058
- Lot Desc: Corner,Sidewalks,In Town,Near Shopping,Neighborhood,Near Public Transportatn,Near Hospital,Near School(s)
- High School: BFASt Albans
- School District: St Albans City School District
- MLS#: 5043017
- Website: https://www.raveis.com
/prop/5043017/65congressstreet_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 12/5/2025Listing courtesy of Coldwell Banker Hickok and Boardman Phone: 802-863-1500
Listing Agent: Susan Kaminski
William Raveis Family of Services
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888.699.8876
Contact@raveis.com
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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
- 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
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Joel FanjoyRegional SVP Insurance Sales, William Raveis Insurance
617.320.5687
Joel.Fanjoy@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
65 Congress Street, St. Albans City, VT, 05478
$564,900
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 | $451,920 | $451,920 | $451,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.521% | 6.304% | 5.648% |
| Monthly Tax Payment | $838 | $838 | $838 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,637 | $2,746 | $3,663 |
| Total Monthly Payment | $3,567 | $3,676 | $4,593 |
* 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