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Mount Philo Mornings. Adirondack Sunsets. Tucked at the end of an idyllic lane in Charlotte, this property offers the Vermont lifestyle you are searching for. Set on more than two acres surrounded by open space, the home is located just minutes from local farms, village conveniences, and the shores of Lake Champlain. Covered front and rear porches extend the living space year-round, providing comfortable places to take in the views in every season. Inside, gleaming hardwood floors connect a layout designed for both daily living and gathering. The recently renovated kitchen, with a wall of windows, anchors the home and features a substantial custom cherry island by Vermont Farm Table. It’s a space that works as well for quiet mornings as it does for hosting gatherings. The expansive Great Room includes a dining room with wet bar and two living spaces, one with vaulted ceilings and a wood-burning fireplace. It connects to a two-car garage with epoxy flooring through a mudroom with custom cabinetry and a separate laundry room. The first-floor primary retreat has a walk-in closet and a well-appointed bath including a walk-in shower, soaking tub, and double vanity. Upstairs, three additional bedrooms and a large bonus room above the garage provide flexibility for guests, work, or play. The fully finished lower level adds more usable space with a home theater, gas fireplace, workshop, and storage. Thoughtful upgrades include an EV charger, Sonos audio system, shed, and bluestone walkways & patio. Outside, the level yard offers space for play, sports, or simply being outdoors. Whether it’s coffee on the back porch, an afternoon trip to the berry farm on the Town Link Trail, or evenings watching the light fade over the Adirondacks, this home balances privacy, views, and convenience.
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 7/1/2026Our 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.
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,380,000 | $1,380,000 | $1,380,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.000% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.165% | 6.133% | 6.183% |
| Monthly Tax Payment | $1,242 | $1,242 | $1,242 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,835 | $8,274 | $11,645 |
| Total Monthly Payment | $9,202 | $9,641 | $13,012 |
* 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.