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TURN-KEY FURNISHED! OWNED LAND! PRIVATE, CONCRETE DOCK! EXPANSIVE SOUTHERN VIEWS! Lake Carmi living without the hassle of a long dirt road or a dock that takes effort to reach. This three bedroom, two bath seasonal home sits right on the water with easy, year-round access, the kind that makes weekend trips simple and short-term guests happy. The main level opens toward the lake with expansive southern views through double sliding glass doors, filling the living space with natural light. Exposed live edge beams bring the wilderness of Vermont inside as you gather after a day on the water. The screened-in porch is built for summer, morning coffee, long dinners, or watching the sunset over the lake. Three comfortable bedrooms are located on the second floor along with a half bath, with plentiful windows for lake views and cool night breezes. Outside, a private concrete dock puts you right on the water for boating, swimming, and fishing, with 7. 5 miles of shoreline to explore. The property sits on owned land, a meaningful distinction on Lake Carmi where leased lots are common and add long-term uncertainty. Lake Carmi has seen blue-green algae in past years, and ongoing alum treatments have been effective in keeping the water clear and swimmable. The lake's significant peat bog draws in wildlife, and the birdwatching here is some of the best in Northern Vermont. For anglers, Lake Carmi is known for walleye, northern pike, and bass right off your dock. The property has operated as a successful short term rental and comes fully furnished, offering flexibility for personal use, rental income, or both. If you want lakefront living that's easy to get to and easy to enjoy, this is your chance to join one of Franklin County's most loved waterfront communities.
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 7/17/2026Our 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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William Raveis Real Estate
Phone: 888.699.8876
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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 | $291,920 | $291,920 | $291,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.358% | 6.640% | 5.952% |
| Monthly Tax Payment | $358 | $358 | $358 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,748 | $1,843 | $2,424 |
| Total Monthly Payment | $2,181 | $2,276 | $2,857 |
* 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.