97 Berlin Street, Montpelier, VT, 05602 | $469,000

One of a kind 5 bedroom home with a one bedroom efficiency apartment. This classic Montpelier home has been renovated from the studs out. You name it, it’s been updated–and in the right way. Insulation, windows, electric, plumbing. Bathrooms, kitchens, floors, roof, paint, furnace, and more! A large kitchen and a formal dining room (you don’t have to be formal) are on the first floor, along with a living room and a pellet stove. Four bedrooms upstairs, plus a full bathroom. Then, and you’re going to like this–the third floor is an entire primary bedroom floor. Spacious bedroom with its own bathroom. Give yourself a little space for when you want to be alone. For watching movies and writing poetry, that is. The apartment is a real gem. It’s not big, but it’s in good shape and it ALWAYS rents. Most recently it was getting $1100 a month. Or, if you want a first floor bedroom, it could easily be incorporated back into the main house. Driveway parking is behind the house, and works for 2-3 cars. Super convenient to downtown Montpelier’s stores, restaurants, and the schools. Lots of space means lots of options! One real estate website implies that this is in a flood hazard area. It is NOT in the 1% flood hazard zone. **See 3D tour**

Features

  • Rooms: 11
  • Bedrooms: 6
  • Baths: 3 full
  • Style: New Englander
  • Year Built: 1900
  • Heating: Propane,Oil,Pellet Stove,Direct Vent,Hot Air
  • Cooling: None
  • Basement: Unfinished
  • Approx Sq. Feet: 2,126
  • Acreage: 0.13
  • Est. Taxes: $7,473
  • Lot Desc: City Lot
  • Elem. School: Union Elementary School
  • Middle School: Main Street Middle School
  • High School: Montpelier High School
  • School District: Montpelier School District
  • MLS#: 5054900
  • Website: https://www.raveis.com
    /eprop/5054900/97berlinstreet_montpelier_vt?source=qrflyer
©2025 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 12/7/2025
Listing courtesy of Green Light Real Estate   Phone: 802-225-6425
Listing Agent: Ray Mikus

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NMLS Mortgage Loan Originator ID 793093

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97 Berlin Street, Montpelier, VT, 05602

$469,000

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 $375,200 $375,200 $375,200
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 $623 $623 $623
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,190 $2,280 $3,041
Total Monthly Payment $2,888 $2,978 $3,739

* 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.