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Lake Hortonia Cottage — A Four-Season Retreat. Tucked into a quiet cove on the northwest shore of Lake Hortonia, this charming two-bedroom all-season cottage offers the kind of Vermont lakefront living that's increasingly hard to find. Set on 428 acres of pristine water, the lake is tailor-made for swimming, boating, kayaking, and fishing-and when the seasons turn, the ice fishing is just as rewarding. Inside, the cottage is warm and inviting year-round. A centrally located wood stove anchors the living space, ready to take the chill off a crisp autumn morning before you decide to fire up the forced hot air system. It's the kind of place where you ease into the day at your own pace. Perhaps the most unexpected gem on the property is the seasonal "bunkhouse" -a cozy outbuilding nestled among the pines with views out over the lake. Whether you're dreaming of an artist's studio, a writer's retreat, a guest space, or simply a quiet place to disappear, this versatile structure checks every box. When you're ready to venture out, you're well-positioned for everything Vermont has to offer. Middlebury is less than 30 minutes away for dining, shopping, and culture, while the Middlebury Snow Bowl and Mountain Top's renowned cross-country ski trails are within 45 minutes - making this a true four-season home base. Please note: This property does not have a year-round affidavit. The wastewater system consists of a 2, 000-gallon holding tank and a drywell. Buyers should consult with their agent and the town regarding intended use and any applicable seasonal considerations.
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 5/22/2026Our 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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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $239,999 | $239,999 | $239,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.887% | 6.078% |
| Monthly Tax Payment | $407 | $407 | $407 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,478 | $1,537 | $2,009 |
| Total Monthly Payment | $1,960 | $2,019 | $2,491 |
* 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.