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32 Mack's Drive, #2, Derby, VT, 05829 | $199,000
OPEN HOUSE - SATURDAY JUNE 27TH 10: 00AM-1: 00PM Super affordable, furnished waterfront cottage on Lake Salem offering move-in-ready convenience and low-maintenance lakefront living. Welcome to Mack's Cottages, where Cottage #2 is one of just five cottages within this charming lakeside community. The main level features two bedrooms, a 3/4 bathroom, a kitchen and dining area, and a fully screened porch—perfect for relaxing and enjoying the lake breeze. The mostly finished lower level provides additional sleeping quarters, a comfortable family room, and a mechanical room. Numerous improvements have been completed in recent years, including a finished basement, newly shingled roof, updated windows, electrical and plumbing upgrades, fresh exterior paint, two mini-split heat pumps providing both heating and air conditioning, an on-demand water heater, and much more. The property includes shared waterfront access and common areas and it's own lakeside firepit area. Annual association dues are just $800 and cover landscaping, trash removal, water & septic maintenance, and liability insurance. If you're looking for an affordable waterfront getaway without the hassle of ongoing maintenance, this property checks all the boxes. Simply arrive, unpack, and start enjoying life at the lake.
Features
- Amenities: Master Insurance,Landscaping,Common Acreage,Trash Removal
- Rooms: 5
- Bedrooms: 2
- Baths: 1 three-quarter
- Style: Cottage/Camp
- Year Built: 1945
- Heating: Heat Pump,Mini Split
- Cooling: Mini Split
- Basement: Climate Controlled,Concrete,Concrete Floor,Finished,Full,Interior Stairs,Walkout,Interior Access,Exterior Access
- Approx Sq. Feet: 798
- Est. Taxes: $1,862
- Lot Desc: Deep Water Access,Lake Access,Lake Frontage,Lake View,Lakes,Recreational,Waterfront
- Water Front: Yes
- MLS#: 5096610
- Website: https://www.raveis.com
/prop/5096610/32macksdrive_derby_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 6/28/2026Listing courtesy of Jim Campbell Real Estate Phone: 802-334-3400
Listing Agent: Jenna Flynn
William Raveis Family of Services
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888.699.8876
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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
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- Provides a guaranteed closing date that meets your needs
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Joel FanjoyRegional SVP Insurance Sales, William Raveis Insurance
617.320.5687
Joel.Fanjoy@raveis.com
Our Insurance Division:
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
32 Mack's Drive, #2, Derby, VT, 05829
$199,000
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 | $159,200 | $159,200 | $159,200 |
| 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% | 6.512% | 5.866% |
| Monthly Tax Payment | $155 | $155 | $155 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $953 | $993 | $1,311 |
| Total Monthly Payment | $1,183 | $1,223 | $1,541 |
* 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