35 Terrace Street, Montpelier, VT, 05602 | $699,000

Open House Saturday 5/9 1pm-4pm. Perched on a hill overlooking one of Montpelier’s most beloved neighborhoods, this Folk Victorian offers a way of living that feels both rooted and connected—a home where a family has shaped daily life around community, nature, and time together. Enjoy the ease of every day life with the convenience of I-89, local shops and restaurants nearby. Since 2017, the home and grounds have been thoughtfully transformed to reflect how people truly live. Outside, the landscape unfolds in a series of inviting spaces—natural stone patio, handcrafted steps, and layered garden beds that evolve with the seasons. Two mature magnolia trees—one white, one deep magenta—bring a sense of ceremony to spring and summer, creating a presence that feels both intimate and enduring. Inside, the home feels as considered as it is beautiful. The reimagined kitchen anchors the main level, with quartz countertops, open shelving, and stainless appliances that support both quiet mornings and shared meals. A well-designed mudroom has been added, and with integrated laundry offers a natural transition from outdoor life to indoor comfort. Light pours into the fully renovated sunroom—an ideal space to begin or end the day—while a dedicated office provides privacy for work or flexibility for guests. A finished third floor invites possibility: a studio, guest space, or future suite shaped by imagination. The primary suite has been carefully redesigned as a private haven, complete with its own stairwell, walk-through closet, and a thoughtfully appointed bath. Across the home, each bathroom reflects a blend of character and modern ease, with features including a clawfoot tub, walk-in rain shower, Japanese-style toilet, and a custom concrete vanity. Behind the scenes, meaningful upgrades—ducted heat pump for efficient heating and cooling, EV charger, added insulation, and professional basement waterproofing—ensure comfort in every season.

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 1 full / 2 half
  • Style: Victorian
  • Year Built: 1898
  • Garage: 2-car Garage
  • Heating: Electric,Heat Pump
  • Cooling: Central AC,Mini Split
  • Basement: Climate Controlled,Concrete Floor,Crawl Space,Insulated,Sump Pump,Unfinished,Interior Access,Basement Stairs
  • Approx Sq. Feet: 2,253
  • Acreage: 0.12
  • Est. Taxes: $10,994
  • Lot Desc: Corner,Sidewalks,Trail/Near Trail,Walking Trails
  • Elem. School: Union Elementary School
  • Middle School: Main Street Middle School
  • High School: Montpelier High School
  • School District: Montpelier School District
  • MLS#: 5082437
  • Website: https://www.raveis.com
    /eprop/5082437/35terracestreet_montpelier_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 5/18/2026
Listing courtesy of Flex Realty   Phone: 802-399-2860
Listing Agent: Ann Euber

William Raveis Family of Services

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888.699.8876

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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

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
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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

35 Terrace Street, Montpelier, VT, 05602

$699,000

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 $559,200 $559,200 $559,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.625% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.133% 6.739% 5.952%
Monthly Tax Payment $916 $916 $916
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,219 $3,581 $4,644
Total Monthly Payment $4,227 $4,589 $5,652

* 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.