2 Charles Street, Proctor, VT, 05765 | $240,000

Nestled in the picturesque marble town of Proctor, this three-bedroom, two-bath home offers comfort, convenience, and small-town Vermont living at its best. Uniquely situated along the Otter Creek Valley, Proctor is one of Rutland County's most scenic communities, home to the Vermont Marble Museum, Wilson Castle, the Fletcher Proctor Memorial Bridge, Beaver Pond, the Proctor Free Library, Carriage Trails, outdoor skating and roller rink, community pool, and more. Set on a corner lot with a fully fenced yard, this home offers inviting outdoor spaces, including an enclosed front porch perfect for relaxing and a spacious side yard ideal for entertaining, gardening, or pets. Inside, the renovated kitchen features abundant cabinetry, butcher block countertops, newer flooring, and a functional layout. The comfortable living room has wood floors, while an adjoining bonus space makes an excellent home office, reading nook, or play area. A bathroom is conveniently located on each level. The first floor features a half bath just off the rear entry which has a large coat closet, while the second floor offers a newer bath complete with a tiled step-in shower. Upstairs you'll find three bedrooms, each equipped with its own nearly brand-new heat pump, providing efficient heating and air-conditioned comfort. In total, five nearly brand-new heat pumps have been installed throughout the home. Additional updates include some newer windows, electrical improvements, and plumbing upgrades, offering peace of mind while leaving opportunities for cosmetic updates to make the home your own. Outside, a detached vintage garage with an attached potting shed, garden space, and mature shade trees complete the property. Combined with Proctor's highly regarded school system, vibrant community, and rich blend of historical, cultural, and recreational amenities, this home presents a wonderful opportunity to enjoy all that this special Vermont town has to offer.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 1 three-quarter / 1 half
  • Style: New Englander
  • Year Built: 1902
  • Garage: 1-car Garage
  • Heating: Oil,Electric,Heat Pump,Hot Air
  • Cooling: Mini Split
  • Basement: Dirt Floor,Full,Unfinished
  • Approx Sq. Feet: 1,296
  • Acreage: 0.37
  • Est. Taxes: $2,604
  • Lot Desc: Corner,Landscaped,Level,Sloping
  • Elem. School: Proctor Elementary School
  • Middle School: Proctor Jr/Sr High School
  • High School: Proctor Jr/Sr High School
  • MLS#: 5097065
  • Website: https://www.raveis.com
    /prop/5097065/2charlesstreet_proctor_vt?source=qrflyer
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Listing courtesy of Four Seasons Sotheby's Int'l Realty   Phone: 802-774-7007
Listing Agent: Karen Heath

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NMLS Mortgage Loan Originator ID 81725

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2 Charles Street, Proctor, VT, 05765

$240,000

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 $192,000 $192,000 $192,000
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 $217 $217 $217
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,150 $1,198 $1,582
Total Monthly Payment $1,442 $1,490 $1,874

* 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.