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Set along 100 feet of owned Lake Champlain frontage in St. Albans, this year-round lakefront home offers an exceptional blend of comfort, thoughtful design, and four-season enjoyment—ideal as a full-time residence or four-season retreat. Walls of windows frame sweeping lake views and glowing sunsets, while the gentle sound of water lapping the shoreline creates a peaceful backdrop during the warmer months. The lakeside setting is enhanced by a multi-tiered, expansive deck—perfect for entertaining, relaxing, and taking in the ever-changing scenery—as well as a private ramp for easy dock installation and removal. Extensive improvements and additions have been completed, including a beautifully updated primary ensuite bath, first-floor bath and laundry room, and a spacious mudroom conversion—an essential feature for Vermont living. Additional upgrades include a standing seam roof, sea wall and privacy fencing, paved driveway, and thoughtfully designed hardscaping, along with updated mechanical and electrical systems that support efficient, comfortable living in every season. Inside, the main level offers an open-concept kitchen, dining area with sliding doors to the deck, and a welcoming living space filled with natural light, plus an additional private room that can be tailored to your needs—home office, guest space, or den. The lower level provides a generous family room, game room, or recreation space with direct access to the lakeside, along with two additional flexible rooms. The upper level features the primary ensuite bedroom and an additional bedroom, creating a private retreat above it all. Enjoy Lake Champlain year-round, from summer boating and lakeside gatherings to winter skating and ice fishing, all while remaining conveniently close to local amenities. This exceptional property offers the space, updates, and setting to be enjoyed in every season. *Generated AI Summer Photos (GenAI-SV)
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 4/30/2026Our 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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William Raveis Real Estate
Phone: 888.699.8876
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William Raveis Mortgage, LLC
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Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $919,920 | $919,920 | $919,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.165% | 6.259% | 6.183% |
| Monthly Tax Payment | $867 | $867 | $867 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,223 | $5,590 | $7,763 |
| Total Monthly Payment | $6,215 | $6,582 | $8,755 |
* 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.