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405 Main Street, Derby, VT, 05829 | $315,000
Move-In Ready Derby VT Home — NEK Real Estate with Character, Garage & Outdoor Living: Discover this appealing Northeast Kingdom home for sale — a charming single family home in the heart of Derby, Orleans County VT that’s truly move-in ready. Perfectly blending classic Vermont craftsmanship with thoughtful updates, this home offers character, comfort, and all the features modern buyers search for. Inside, rich original woodwork, elegant built-ins, and gleaming hardwood floors highlight timeless New England quality. The spacious eat-in kitchen, formal dining room, and generous living room create inviting spaces for everyday living or entertaining. Upstairs, three comfortable bedrooms and a full bath provide functional and versatile living space, while the full basement with a partially finished family room offers bonus living or recreation space. Outside, enjoy a large, level backyard — ideal for gardening, outdoor dining, or relaxation — surrounded by lilac bushes, apple trees, and blueberry bushes. A covered breezeway connects to an attached garage, one of the top searched-for home features in Vermont real estate listings . Plus, this property includes deeded VAST trail access, a highly desirable asset for buyers who value year-round outdoor recreation. Located just moments from the library, local schools (including NCUJHS), park, and village shops, this Derby home offers the perfect balance of small-town convenience and NEK rural lifestyle. Whether you’re searching for a year-round home, a first home, or a Vermont getaway, this Orleans County VT home for sale deserves your attention.
Features
- Rooms: 6
- Bedrooms: 3
- Baths: 1 full / 1 half
- Style: Cape
- Year Built: 1947
- Garage: 2-car Garage
- Heating: Oil,Pellet Stove,Baseboard,Hot Water
- Cooling: None
- Basement: Concrete,Concrete Floor,Partially Finished,Interior Stairs
- Approx Sq. Feet: 1,671
- Acreage: 0.88
- Est. Taxes: $3,211
- Lot Desc: Curbing,Landscaped,Level,Major Road Frontage,Sidewalks,Street Lights,Trail/Near Trail,In Town,Near Shopping,Near Snowmobile Trails,Neighborhood,Near School(s)
- Elem. School: Derby Elementary
- Middle School: North Country Junior High
- High School: North Country Union High Sch
- School District: Orleans Central
- MLS#: 5075394
- Website: https://www.raveis.com
/prop/5075394/405mainstreet_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 3/1/2026Listing courtesy of RE/MAX All Seasons Realty - Lyndonville Phone: 802-626-4343
Listing Agent: Stephanie Lussier
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
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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
405 Main Street, Derby, VT, 05829
$315,000
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
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $252,000 | $252,000 | $252,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $268 | $268 | $268 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,392 | $1,491 | $2,009 |
| Total Monthly Payment | $1,735 | $1,834 | $2,352 |
* 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