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92 Vermont Route 109, Waterville, VT, 05492 | $319,000
Experience the best of Vermont single-level living in this charming 3-bedroom ranch! Ideally located in Waterville, you’re just minutes to Cambridge with convenient access to Jay Peak, Smugglers' Notch, and Stowe Mountain Resort. Whether you're seeking a full-time residence, ski-country getaway, or homestead property, this home offers the perfect combination of comfort, recreation, and country living. Lovingly maintained, this home has had only two owners and has never been smoked in, reflecting years of pride in ownership. Inside, you'll find a bright and welcoming enclosed three season porch, perfect for gear or potential to be more year round living space. Inside, the open floorplan allows for flow into a spacious refreshed kitchen featuring stainless steel appliances, abundant cabinet storage, and a dining area perfect for everyday living. Directly off the kitchen is the large, bright living room, with hardwood floors that follow throughout the home, Down the hall are three comfortable bedrooms and a full bath. The full basement offers excellent expansion potential, allowing you to nearly double the finished square footage or just use for storage. Set on a flat, highly usable 0. 5-acre lot, this property is ideal for gardening, raising chickens, and embracing a homesteading lifestyle. Existing garden areas, a storage shed, and a chicken coop provide a great head start, while the spacious yard offers room for additional gardens, fruit trees, or outdoor entertaining. Enjoy the nature with the included gazebo. Outdoor enthusiasts will appreciate being just minutes from the Long Trail State Forest, with hiking, snowshoeing, wildlife viewing, and endless recreational opportunities nearby. Mature trees along the rear of the property provide privacy and shade. A rare opportunity to own a well-cared-for Vermont home with homestead potential, mountain access, and year-round outdoor adventure right at your doorstep. Don't miss your opportunity for this move-in-ready home.
Features
- Rooms: 5
- Bedrooms: 3
- Baths: 1 full
- Style: Ranch
- Year Built: 1957
- Garage: 2-car Garage
- Heating: Oil,Hot Air
- Cooling: Other
- Basement: Interior Stairs,Unfinished,Interior Access
- Approx Sq. Feet: 960
- Acreage: 0.55
- Est. Taxes: $3,449
- Lot Desc: Landscaped,Level,Open
- Elem. School: Waterville Elementary School
- Middle School: Lamoille Middle School
- High School: Lamoille UHSD #18
- School District: Lamoille North
- MLS#: 5094090
- Website: https://www.raveis.com
/prop/5094090/92vermontroute109_waterville_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 7/4/2026Listing courtesy of KW Vermont - Cambridge Phone: 802-760-9815
Listing Agent: Taylor White
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
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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
92 Vermont Route 109, Waterville, VT, 05492
$319,000
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 | $255,200 | $255,200 | $255,200 |
| 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 | 6.370% | 6.615% | 5.952% |
| Monthly Tax Payment | $287 | $287 | $287 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,528 | $1,611 | $2,119 |
| Total Monthly Payment | $1,890 | $1,973 | $2,481 |
* 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