|
109 Birch Drive, Derby, VT, 05829 | $385,900
In Derby Vermont you will find this very modern, 7 bedroom, 2 full bath, contemporary home with a 50 ft ROW to Lake Salem sitting on its own . 38 acres. This home is spotless! There is no maintenance here. Everything is up to date including new quartz counters, newer windows and new luxury vinyl flooring! This home is efficient. You can heat with wood pellets or use the super efficient Smith boiler. Natural light streams in from every angle or sit outside on the back decks and enjoy the lake views with the grill going. This is a convenient location for an active outdoor life style with access to VAST and VASA trails. The property has a communal lakeside feel and is just minutes from town. Use this as the weekend getaway or year around living. It will do both just fine.
Features
- Rooms: 11
- Bedrooms: 7
- Baths: 2 full
- Style: Contemporary
- Year Built: 1992
- Garage: 2-car Garage
- Heating: Multi Fuel,Baseboard,Forced Air,Multi Zone,Pellet Furnace
- Cooling: Other,Wall AC Units
- Approx Sq. Feet: 2,380
- Acreage: 0.38
- Est. Taxes: $5,087
- Lot Desc: Beach Access,Corner,Lake Access,Lake View,Level,Trail/Near Trail,Water View,Near Country Club,Near Golf Course,Near Shopping,Near Skiing,Near Snowmobile Trails,Neighborhood,Near Hospital,Near ATV Trail,Near School(s)
- Elem. School: Derby Elementary
- Middle School: North Country Junior High
- High School: North Country Union High Sch
- School District: Orleans Essex North
- MLS#: 5072617
- Website: https://www.raveis.com
/prop/5072617/109birchdrive_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 1/15/2026Listing courtesy of RE/MAX All Seasons Realty - Lyndonville Phone: 802-626-4343
Listing Agent: Russell Ingalls
William Raveis Family of Services
Our 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.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@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
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
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
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
109 Birch Drive, Derby, VT, 05829
$385,900
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $308,720 | $308,720 | $308,720 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.322% | 6.156% | 5.415% |
| Monthly Tax Payment | $424 | $424 | $424 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,777 | $1,849 | $2,461 |
| Total Monthly Payment | $2,276 | $2,348 | $2,960 |
* 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