|
|
Tucked into the hillside section of St. Albans, this well-maintained duplex brings privacy, flexibility, Lake Champlain views, and a layout optimal for owner occupying or as an investment. Uniquely placed on a hillside between Donnelly and High Street. Each home has its own entrance and dedicated off-street parking, giving both units an easy sense of independence. Inside, each unit offers two bedrooms, a spacious living room, and a bonus office or study space for remote work, creative projects, guests, or the kind of storage that keeps life from taking over the living room. The upper unit gets the extra magic, with scenic views of Lake Champlain and access to a detached two-car garage, while the lower unit benefits from its own attached one-car garage for easy everyday convenience during Vermont winters. A full basement adds even more room for storage and workspace. With numerous updates and improvements over the years including replacement of all the windows and electrical work, this move-in-ready St. Albans multi-family property is positioned for long-term flexibility. Live in one unit and use rental income to help offset the mortgage, add a strong Vermont duplex to your investment portfolio, or create a living setup with room to adapt as life changes. Close to downtown St. Albans, shopping, dining, and everyday essentials, this is not just a duplex on a hillside. It is a smart, scenic, quietly versatile opportunity with real Vermont staying power.
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 6/1/2026Our 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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$480,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $384,000 | $384,000 | $384,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.866% |
| Monthly Tax Payment | $663 | $663 | $663 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,300 | $2,396 | $3,163 |
| Total Monthly Payment | $3,037 | $3,133 | $3,900 |
* 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.