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450 Hathaway Point Road, St. Albans Town, VT, 05478 | $649,000
Welcome to Vermont lake life at its finest. Positioned along the shores of Lake Champlain, this beautiful 3-bedroom, 2-bathroom home offers the kind of waterfront lifestyle buyers dream about & guests never want to leave. A year-round residence, seasonal retreat, or an investment opportunity with exceptional Airbnb potential, this property delivers the perfect blend of comfort & unforgettable experiences. Inside, the first floor features a spacious formal dining room made for gathering, & a renovated kitchen complete with upgraded backsplash, Brazilian granite countertops, & an oversized walk-in pantry that could easily serve as an office, coffee bar, or owner supply room for short-term rental use. The expansive living room offers plenty of space to relax & entertain, while a full bath on the main level adds convenience. Upstairs, the primary suite shines; generously sized & filled with natural light, it opens onto a private balcony overlooking the water. Facing east, the home captures breathtaking sunrises that will stay with you for years to come. Two additional bedrooms & a 2nd full bathroom provide ample room for hosting with ease. The detached 2-story garage is an experience all its own. Fully insulated & heated, with finished recreational space above, it offers the ultimate bonus area for game nights, a lounge or guest overflow, all while enjoying views of the lake just beyond. Outside, enjoy swimmable waters, a beautifully maintained beachfront, 48 feet of privately owned shoreline, & a private, owned dock for an incredible lakefront setting. Conveying with access to a shared community beach & dock, there is even more value for owners & visitors alike. Recent improvements include a newer furnace, updated bathrooms, tray ceilings, a septic system less than 10 years old, & gorgeous stonework. Undeniably, this property is not only move-in ready, but the kind of home where memories are made - treat yourself to a property that defines the VT waterfront lifestyle.
Features
- Amenities: Beach Access,Beach Rights,Boat Slip/Dock
- Rooms: 10
- Bedrooms: 3
- Baths: 1 full / 1 three-quarter
- Style: Contemporary
- Year Built: 1966
- Garage: 1-car Garage
- Heating: Oil,Hot Air
- Cooling: None
- Basement: Concrete Floor,Storage Space,Unfinished
- Approx Sq. Feet: 2,104
- Acreage: 0.19
- Est. Taxes: $5,645
- Lot Desc: Lake Access,Lake Frontage,Lake View,Landscaped,Level,Open,Near Paths,Neighborhood
- Elem. School: St. Albans Town Educ. Center
- Middle School: St Albans Town Education Cntr
- High School: BFASt Albans
- School District: Franklin Northeast
- MLS#: 5092765
- Website: https://www.raveis.com
/prop/5092765/450hathawaypointroad_stalbanstown_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 7/15/2026Listing courtesy of Coldwell Banker Hickok and Boardman Phone: 802-863-1500
Listing Agent: Nicole Broderick
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.
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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
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
450 Hathaway Point Road, St. Albans Town, VT, 05478
$649,000
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 | $519,200 | $519,200 | $519,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.952% |
| Monthly Tax Payment | $470 | $470 | $470 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,155 | $3,278 | $4,311 |
| Total Monthly Payment | $3,717 | $3,840 | $4,873 |
* 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