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20 Hillside Terrace, St. Albans Town, VT, 05478 | $1,350,000
Perched gracefully atop 10+ private acres in the rolling hills of St. Albans, this home is a rare Vermont estate where timeless craftsmanship, extraordinary privacy & sweeping natural beauty converge. From the moment you arrive along the tree-lined drive, framed by manicured gardens, raised beds & a tranquil pond, the property unfolds like a secluded countryside retreat; designed to capture the majesty of Lake Champlain & the Adirondacks from every vantage point w/views stretching northward to Montreal. Step through the impressive entryway & into a residence that immediately evokes warmth & elegance. A grand staircase sets the tone for interiors rich in architectural detail & refined finishes that create a sophisticated yet inviting atmosphere. Sunlight pours through Marvin windows, illuminating thoughtfully designed living spaces enhanced by custom details at every turn. Designed for both everyday living & effortless entertaining, the home offers multiple gathering spaces anchored by 3 fireplaces, expansive lake-facing windows & seamless access to an oversized deck where sunsets over Lake Champlain become your daily ritual. A spectacular bonus space offers the perfect setting for a guest bedroom or studio. The primary suite is a sanctuary complete w/breathtaking views that greet you each morning. The in-law apartment adds remarkable versatility for guests or multi-generational living, opening directly onto an extensive patio amongst flourishing perennial gardens & panoramic vistas. Impeccably maintained & thoughtfully designed, this home embodies the very best of Vermont luxury living~peaceful & deeply connected to the outdoors. Minutes to Historic Downtown St. Albans, Lake Champlain & an easy drive to Montreal, the location offers year-round recreation & endless opportunities for outdoor adventure. A true legacy property offering the privacy of an estate, the beauty of Vermont’s landscape & a lifestyle defined by tranquility & unforgettable views!
Features
- Rooms: 9
- Bedrooms: 5
- Baths: 4 full / 1 half
- Style: Contemporary
- Year Built: 1991
- Garage: 2-car Garage
- Heating: Propane,Multi Fuel,Baseboard,Heat Pump,Hot Water,In Floor,Multi Zone,Radiant,Radiant Floor,Mini Split,Boiler,Gas Fireplace
- Cooling: Mini Split
- Basement: Apartment(s),Climate Controlled,Concrete Floor,Daylight,Finished,Full,Interior Stairs,Storage Space,Walkout,Interior Access,Exterior Access,Basement Stairs
- Approx Sq. Feet: 4,728
- Acreage: 10.89
- Est. Taxes: $14,712
- Lot Desc: Country Setting,Field/Pasture,Lake View,Lakes,Landscaped,Mountain View,Pond,Pond Frontage,Recreational,Timber,Trail/Near Trail,Walking Trails,Water View,Wooded,Mountain,Near Golf Course,Near Paths,Near Shopping,Near Skiing,Rural,Near Hospital,Near School(s),Private
- Elem. School: St. Albans Town Educ. Center
- Middle School: St Albans Town Education Cntr
- High School: BFASt Albans
- School District: Maple Run USD
- MLS#: 5093049
- Website: https://www.raveis.com
/eprop/5093049/20hillsideterrace_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 6/20/2026Listing courtesy of Four Seasons Sotheby's Int'l Realty Phone: 802-864-0541
Listing Agent: Karen Bresnahan
William Raveis Family of Services
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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
20 Hillside Terrace, St. Albans Town, VT, 05478
$1,350,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $1,080,000 | $1,080,000 | $1,080,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 6.000% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.069% | 6.110% | 5.932% |
| Monthly Tax Payment | $1,226 | $1,226 | $1,226 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,964 | $6,475 | $8,968 |
| Total Monthly Payment | $7,315 | $7,826 | $10,319 |
* 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