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440 Mills Point Road, Colchester, VT, 05446 | $599,900
Enjoy the Lake Champlain lifestyle without the price of direct owned waterfront. This spacious 2017 home offers lake views, private beach access, an included boat mooring, an oversized 2 car garage and more than 2400 square feet of flexible year round living space near the Colchester Causeway. Enjoy boating, kayaking, paddleboarding, swimming, fishing, cycling, and year-round recreation, all just minutes from Burlington, UVM Medical Center, shopping, dining, and schools. The open-concept main level features a chef's kitchen with quartz countertops, stainless steel appliances, a large center island, and spacious living and dining areas that open to a covered porch with Lake Champlain views. A first-floor bedroom and full bath offer flexible living, while the oversized two-car garage provides exceptional storage. Upstairs, the loft is ideal for a home office or additional living space. The finished walkout lower level includes a family room, bedroom, full bath, and bonus room perfect for a gym, hobby room, or playroom. Outside, enjoy a private backyard with an outdoor bar, fire pit, raised garden beds, and room to relax after a day on the lake. Additional features include a new on-demand hot water system (2026), whole-house Generac generator, energy-efficient heat pump for heating and cooling, central vacuum, premium Inspired Closets systems, and hardwood flooring throughout. Whether you're looking for a year-round home or a vacation retreat, 440 Mills Point Road offers an affordable opportunity to enjoy the Lake Champlain lifestyle.
Features
- Amenities: Beach Access,Beach Rights,Boat Launch,Common Acreage,Snow Removal
- Rooms: 6
- Bedrooms: 2
- Baths: 1 full / 1 three-quarter
- Style: Cape
- Year Built: 2017
- Garage: 2-car Garage
- Heating: Heat Pump,Wall Furnace
- Cooling: Mini Split
- Basement: Climate Controlled,Daylight,Finished,Full,Walkout,Interior Access
- Approx Sq. Feet: 2,442
- Est. Taxes: $6,708
- Lot Desc: Beach Access,Lake Access,Lake View,Lakes,Landscaped,Leased,Trail/Near Trail,View,Walking Trails,Water View,Near Paths
- Elem. School: Porters Point School
- Middle School: Colchester Middle School
- High School: Colchester High School
- School District: Colchester School District
- MLS#: 5091143
- Website: https://www.raveis.com
/prop/5091143/440millspointroad_colchester_vt?source=qrflyer
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 7/20/2026Listing courtesy of RE/MAX North Professionals Phone: 802-655-3333
Listing Agent: Darcy Handy
William Raveis Family of Services
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888.699.8876
Contact@raveis.com
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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
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
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
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
440 Mills Point Road, Colchester, VT, 05446
$599,900
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 | $479,920 | $479,920 | $479,920 |
| 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 | $559 | $559 | $559 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,874 | $3,030 | $3,985 |
| Total Monthly Payment | $3,525 | $3,681 | $4,636 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484