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Located in the Towns of Concord, VT and Kirby, VT, this combined/adjoining 25 acre parcel offers privacy, Moose River frontage, potential for house site with farm/pasture land. Access is by Class IV road, shared by other parties who pitch in to maintain the Class IV road. The parcel is leased to owner's son for corn crop to be harvested in October 2025. Some areas are lowland and does puddle/pool with an area near the former RR tracks being damp. The Concord parcel is 9. 9 acres, the Kirby parcel is 15. 1 acres, enrolled in the VT Land Use Program aka Current Use program. Power is 1/4 mi away, no perc testing has been done, the RR track has not been used in 25+ years and is grown up. It is a peaceful area w/pretty northeasterly Moose River, local hillside views where you can enjoy a beautiful sunrise. Property is in Two towns, Two deeds, Two tax bills, two zoning bylaws, etc. Owner, Rosemary H Gingue is a licensed real estate Broker.
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 3/31/2026Our 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.
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NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $119,920 | $119,920 | $119,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.395% | 6.557% | 5.990% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $719 | $748 | $988 |
| Total Monthly Payment | $794 | $823 | $1,063 |
* 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.