199 Oak Circle, Colchester, VT, 05446 | $574,900

Tucked into the desirable Sunderland Woods community, this inviting Cape offers the perfect blend of privacy, convenience, and neighborhood charm—along with a wonderful opportunity to add your own personal touches to truly make it your own. Surrounded by conserved land and an established trail network, the setting feels peaceful while remaining close to everyday essentials. Grocery stores, dining, and I-89 are only minutes away, making daily commuting and errands effortless. Colchester’s rich “Vacationland” roots shine through with its scenic parks, multiple beaches, strong school system, and active community calendar—all contributing to the area’s welcoming, family-friendly atmosphere. The home is designed for comfort and versatility, featuring a bright, functional kitchen with abundant cabinetry, ample counter space, and stainless-steel appliances that open seamlessly to the dining and living areas. A sun-filled foyer provides a cozy retreat for relaxing mornings or quiet evenings. The upper level includes three well-proportioned bedrooms and a full bath, while the finished lower level adds valuable flexibility with three bonus rooms, a dedicated laundry area, and generous storage. The two-car garage is fully equipped with an electric car charger. Outside, the property is enhanced by mature fruit trees, including apple and pear, adding charm and seasonal enjoyment to the yard. Residents enjoy access to a well-maintained association offering a community pool, tennis and pickleball courts, shared gardens, and miles of trails for walking, biking, and winter recreation—all for a modest annual fee. Located less than ten minutes from schools, parks, Lake Champlain access, and the new recreation center, this home presents an exceptional opportunity to enjoy one of Colchester’s most desirable neighborhoods while creating a space that reflects your vision and style.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Style: Cape
  • Year Built: 1981
  • Garage: 2-car Garage
  • Heating: Natural Gas,Hot Air,In Floor
  • Cooling: Central AC
  • Basement: Finished,Full
  • Approx Sq. Feet: 2,644
  • Acreage: 0.38
  • Est. Taxes: $7,558
  • Lot Desc: Level,Subdivision,Neighborhood
  • Elem. School: Union Memorial Primary School
  • Middle School: Colchester Middle School
  • High School: Colchester High School
  • School District: Colchester School District
  • MLS#: 5075939
  • Website: https://www.raveis.com
    /prop/5075939/199oakcircle_colchester_vt?source=qrflyer
©2026 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 4/2/2026
Listing courtesy of Signature Properties of Vermont   Phone: 802-872-8881
Listing Agent: Blake Gintof

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

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199 Oak Circle, Colchester, VT, 05446

$574,900

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 $459,920 $459,920 $459,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.333% 6.520% 5.783%
Monthly Tax Payment $630 $630 $630
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,721 $2,869 $3,755
Total Monthly Payment $3,443 $3,591 $4,477

* 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.