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1397 VT Route 12, Elmore, VT, 05661 | $299,000
Year-round living is waiting for you in what was once a classic Vermont summer cottage near Lake Elmore. Cozy is the word that comes to mind in this great home with a vintage vibe. The open kitchen & dining area are the perfect gathering spot for meals and conversation. The kitchen boasts a super cool, unique pantry that allows for plenty of storage. A gas woodstove in the living room is a fantastic backup heat source for those chilly Vermont days & nights. A laundry closet and 3/4 bath with stand-up shower stall are conveniently situated on the main level, while a full bath and four bedrooms round out the second floor, leaving plenty of sleeping space for guests and family. The porch over looking the lake and screened-in patio invite outdoor living- imagine grilling and cocktails while the sounds of nature buzz around you. The two-car garage is fantastic storage space for outdoor gear and equipment. Positioned for lake views, it gives the feel of easy, vacation-mode living all year long. The prime location makes it an easy commute to all of the amenities of Morrisville, just down the road. This home does need some love. It's been cared for by one family for decades, with innumerable memories made. Now it's your chance to love this home and create memories of your own to hold dear. Septic needs to be replaced, Cash buyers only
Features
- Rooms: 6
- Bedrooms: 4
- Baths: 1 full / 1 three-quarter
- Style: Other
- Year Built: 1850
- Garage: 2-car Garage
- Heating: Oil,Baseboard
- Cooling: Wall AC Units
- Basement: Concrete,Concrete Floor
- Approx Sq. Feet: 1,728
- Acreage: 0.75
- Est. Taxes: $3,929
- Lot Desc: Corner,Lake View,Near Paths,Near Shopping,Near Snowmobile Trails,Near School(s)
- MLS#: 5073748
- Website: https://www.raveis.com
/prop/5073748/1397vtroute12_elmore_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 1/16/2026Listing courtesy of BHHS Vermont Realty Group/Morrisville-Stowe Phone: 802-888-0021
Listing Agent: Trombley & Day Group
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
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- 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
1397 VT Route 12, Elmore, VT, 05661
$299,000
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 | $239,200 | $239,200 | $239,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.285% | 6.156% | 5.522% |
| Monthly Tax Payment | $327 | $327 | $327 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,358 | $1,433 | $1,923 |
| Total Monthly Payment | $1,760 | $1,835 | $2,325 |
* 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