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140 Valentine Avenue, Derby, VT, 05829 | $399,500
Welcome to this meticulously maintained home on a spacious 0. 47-acre lot within the Village of Derby Line, VT. This fully renovated & modernized home leaves nothing to do but move in and enjoy all the luxuries it has to offer. Offering 2, 100+ sq. ft. of finished living area, it features 4 bedrooms & 2 baths, 2 enclosed porches, an oversized 2-story heated garage (24’x32’) and a Jacuzzi 24’ above-ground pool. The main level boasts beautiful hardwood floors, a modern kitchen with granite counters, a spacious living room, formal dining room, 2 bedrooms, and a full bath. The 2nd floor features a family room, large primary bedroom w/ a walk-in closet, an additional bedroom and a full bath. The lower level is partially finished with an exercise room and also offers plenty of unfinished storage & workshop space. This is an efficient home w/ vinyl windows & siding throughout, a Smith boiler w/ baseboard hot water heat, secondary heat via a coal stove and a new roof. It is serviced by public water & sewer and high-speed Xfinity cable & internet. All of this is set in a quiet location on a dead-end street with a spacious, tastefully landscaped lot featuring a variety of perennials. Enjoy the convenience of village living within walking distance to Baxter Park, the library, Derby Elementary School, the Canadian border crossing and more. Easy VAST snowmobile trail & VASA ATV access nearby. The sellers have enjoyed this property for 27+ years and have updated almost every inch of the home.
Features
- Rooms: 9
- Bedrooms: 4
- Baths: 2 full
- Style: New Englander,Craftsman
- Year Built: 1938
- Garage: 2-car Garage
- Heating: Oil,Baseboard,Hot Water,Coal Stove
- Cooling: None
- Basement: Concrete Floor,Full,Partially Finished,Interior Stairs
- Approx Sq. Feet: 2,185
- Acreage: 0.47
- Est. Taxes: $4,048
- Lot Desc: Landscaped,Level,Trail/Near Trail,In Town,Near Snowmobile Trails,Neighborhood,Near ATV Trail
- Elem. School: Derby Elementary
- Middle School: North Country Junior High
- High School: North Country Union High Sch
- School District: North Country Supervisory Union
- MLS#: 5047005
- Website: https://www.raveis.com
/prop/5047005/140valentineavenue_derby_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 12/7/2025Listing courtesy of Jim Campbell Real Estate Phone: 802-334-3400
Listing Agent: Ryan Pronto
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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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
140 Valentine Avenue, Derby, VT, 05829
$399,500
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 | $319,600 | $319,600 | $319,600 |
| 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 | $337 | $337 | $337 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,865 | $1,942 | $2,590 |
| Total Monthly Payment | $2,277 | $2,354 | $3,002 |
* 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