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440 Main Street, Derby, VT, 05830 | $850,000
Own a piece of Derby Line history while operating a well-established business with multiple income opportunities. The sellers are willing to sell the real estate only, including the historic 7-bedroom home, 3 outbuildings & 3. 40 acres, for $850, 000. Or purchase the entire turnkey operation for $1, 050, 000, including the business, inventory, equipment, furnishings (extensive lists available), goodwill, & more. Constructed in 1902, this landmark property underwent an extensive renovation & addition approximately 12 years ago to incorporate a restaurant. The commercial kitchen was thoughtfully designed to maximize efficiency & functionality, while the addition was carefully crafted to complement the home's original character. The property currently operates with a restaurant on the main level & a five-room bed and breakfast on the second level, with each guest room featuring its own private bath. The third level serves as the owner's quarters & offers 2 bedrooms, 1. 5 baths & a comfortable living area. Numerous improvements have been completed in recent years, including replacement of many vinyl windows, a new roof on the main house, 3-bay garage, & 2-bay garage, as well as the installation of a new propane boiler in 2025. Additional features include two walk-in coolers, one located in the kitchen & the other in the basement. The 3 outbuildings further enhance the property's potential. The space above the 3-bay garage, in particular, has the potential be transformed into an impressive guest suite, venue suite, or professional office. The original carriage house, while in need of restoration, presents a blank canvas for future development. The basement provides ample dry storage, updated mechanical systems, & dedicated laundry facilities, further supporting both residential & commercial operations. Whether you're seeking a unique business opportunity, a hospitality venture, or a historic property with room to grow, this exceptional offering provides endless possibilities.
Features
- Construction: Wood Frame,Clapboard Exterior
- Parking: Driveway,Garage,Parking Spaces 21+,Paved,Covered
- Heating: Propane,Mini Split,Boiler
- Cooling: Mini Split
- Zoning: Per Derby
- Frontage: 326
- Year Built: 1902
- Acreage: 3.4
- Est. Taxes: $17,467
- MLS#: 5096928
- Website: https://www.raveis.com
/prop/5096928/440mainstreet_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
- 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
440 Main Street, Derby, VT, 05830
$850,000
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 |
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|---|---|---|---|
| Loan Amount | $680,000 | $680,000 | $680,000 |
| 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% | 6.086% | 6.183% |
| Monthly Tax Payment | $1,456 | $1,456 | $1,456 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,861 | $4,077 | $5,738 |
| Total Monthly Payment | $5,409 | $5,625 | $7,286 |
* 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