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Renovated and highly versatile property within the village of St. Johnsbury with strong income potential and future upside. Major improvements have already been completed, including a new basement, updated electrical, plumbing, blown-in insulation, all new Energy Star windows throughout the home, a new roof, and 4 electric meters for expanded flexibility. The finished first floor offers 3 bedrooms and 1 full bath with shared access to the kitchen, bathroom, dining room, and living room. This layout has previously supported both long-term rentals and short-term furnished housing for traveling professionals, with bedrooms rented individually for $1, 200 per month. The property offers excellent flexibility with interior access to the second and third floors, a private entrance to the second floor, and both interior and walk-out access to the basement. Once completed, the current 2-unit configuration offers the potential for approximately 2, 272 finished square feet. Additional attic and basement areas bring the gross building area to over 4, 600 square feet, providing substantial space for storage, utility, workshop use, or possible future expansion, subject to permitting and approvals. Conveniently located near downtown amenities, shopping, schools, major routes, and regional employers including nearby hospitals, this property is well suited for furnished rentals, long-term housing, or owner-occupancy. St. Johnsbury is a high school choice community, including access to the prestigious St. Johnsbury Academy.
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 7/15/2026Our 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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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 |
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|---|---|---|---|
| Loan Amount | $239,920 | $239,920 | $239,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.952% |
| Monthly Tax Payment | $396 | $396 | $396 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,458 | $1,515 | $1,992 |
| Total Monthly Payment | $1,929 | $1,986 | $2,463 |
* 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.