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391 Concord Avenue, St. Johnsbury, VT, 05819 | $239,950
This thoughtfully updated and energy-efficient home offers comfort, convenience, and perfectly balances proximity to downtown amenities with a peaceful setting featuring river frontage, a spacious fenced yard, established gardens, and direct access to nearby outdoor recreation (including Dog Mountain, the Lamoille Valley Rail Trail, and the Town Forest). Efficiency upgrades include extensive attic and basement insulation, double-pane and storm windows, pellet stove, WiFi-enabled thermostat, electric heat-pump water heater installed in 2024, and excellent solar potential with roof approval already completed by a solar installer. South-facing living spaces provide abundant natural light and passive solar warmth throughout the winter months. Inside, you’ll find refinished wood floors, freshly painted interiors, a bright three-season sunroom, main-level laundry, generous storage, and bedrooms overlooking the backyard and river. The detached two-bay garage with workshop space and storage loft adds flexibility for hobbies, projects, or extra storage. Conveniently located near shops, restaurants, and local attractions, while also benefiting from access to the world renowned St. Johnsbury Academy, attracting students and families from across the globe. An ideal opportunity for full-time living, relocation, or a Vermont getaway.
Features
- Rooms: 8
- Bedrooms: 3
- Baths: 1 full
- Style: Cape
- Year Built: 1958
- Garage: 3-car Garage
- Heating: Oil,Hot Air
- Cooling: None
- Basement: Concrete,Concrete Floor,Insulated,Unfinished,Basement Stairs
- Approx Sq. Feet: 1,325
- Acreage: 0.36
- Est. Taxes: $4,678
- Lot Desc: Level,Mountain View,River Frontage,Subdivision,Trail/Near Trail,Waterfront,In Town,Near Paths,Neighborhood
- Water Front: Yes
- Elem. School: St. Johnsbury Schools
- Middle School: St. Johnsbury Schools
- High School: Choice
- School District: St. Johnsbury School District
- MLS#: 5091571
- Website: https://www.raveis.com
/prop/5091571/391concordavenue_stjohnsbury_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 5/30/2026Listing courtesy of RE/Max Heritage Phone: 802-748-7808
Listing Agent: Mathew Ghafoori
William Raveis Family of Services
Our 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.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
391 Concord Avenue, St. Johnsbury, VT, 05819
$239,950
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 | $191,960 | $191,960 | $191,960 |
| 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 | $390 | $390 | $390 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,150 | $1,198 | $1,581 |
| Total Monthly Payment | $1,615 | $1,663 | $2,046 |
* 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