21 Railroad Street, Milton, VT, 05468 | $549,900

Prime Milton Location | Solid Duplex Welcome to a rare, move-in condition duplex in one of Milton’s most desirable and walkable locations. This property includes commercial-quality construction, an outstanding opportunity for investors or owner-occupants. This solid, well-built duplex allows you to owner-occupy one unit while generating income from the other. Constructed with steel framing, thick concrete floors, and triple-layer brick, including a sand layer between 8” concrete floors for exceptional sound deadening. The upper unit offers a large, versatile layout filled with natural light from abundant windows and provides the potential to add a third bedroom, increasing future value. Both units are equipped with newer stainless-steel appliances, while the downstairs unit has been remodeled with new flooring throughout and a clean, neutral paint scheme. New cellular blinds have been installed both upstairs and downstairs, adding comfort, privacy, and energy efficiency. The lower first-floor unit has central air conditioning. Also, both units feature wide hallways and an open feel throughout. French doors add character and flow, creating a welcoming interior. Enjoy lower costs with an efficient propane heating system, and appreciate the convenience of separately metered utilities for each unit. A centrally located, externally accessible utility closet allows for easy maintenance without disturbing tenants. Also, enjoy privacy from the former creamery building and dense privacy landscaping, separating it from neighboring properties. There is a large parking lot with plenty of extra space. A rare combination of durability, income, and location.

Features

  • Rooms: 11
  • Bedrooms: 4
  • Baths: 2 full
  • Units: 2
  • Style: Duplex
  • Year Built: 1960
  • Heating: Propane,Baseboard,Forced Air,Hot Air,Hot Water,In Ceiling
  • Cooling: Central AC
  • Basement: Crawl Space
  • Approx Sq. Feet: 3,200
  • Acreage: 0.25
  • Est. Taxes: $6,960
  • Lot Desc: Level,Open
  • Elem. School: Milton Elementary School
  • Middle School: Milton Jr High School
  • High School: Milton Senior High School
  • School District: Milton Town
  • MLS#: 5076531
  • Website: https://www.raveis.com
    /prop/5076531/21railroadstreet_milton_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 4/26/2026

William Raveis Family of Services

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Jen Sands - Windward & Main Realty GroupLuxury Properties Specialist

978.590.9177

Jen.Sands@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

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Joanne O'KeefeVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 38342

978.314.1072

Joanne.OKeefe@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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  • Provides a guaranteed closing date that meets your needs
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Paul BerriosRegional SVP, Insurance Sales Producer, William Raveis Insurance

978-337-3053

Paul.Berrios@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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

21 Railroad Street, Milton, VT, 05468

$549,900

Jen Sands - Windward & Main Realty Group

Luxury Properties Specialist

William Raveis Real Estate

Phone: 978.590.9177

Jen.Sands@raveis.com

Joanne O'Keefe

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 978.314.1072

Joanne.OKeefe@raveis.com

NMLS Mortgage Loan Originator ID 38342

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $439,920 $439,920 $439,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.275% 6.284% 5.595%
Monthly Tax Payment $580 $580 $580
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,567 $2,673 $3,565
Total Monthly Payment $3,239 $3,345 $4,237

* 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.