174 Saint James Avenue, Milton, NH, 03851 | $998,900

Welcome to an extraordinary Craftsman-style waterfront retreat on Milton Three Ponds, where timeless craftsmanship meets modern luxury on a spectacular 1, 100 acre, full access lake. Every detail of this exceptional home has been thoughtfully designed to maximize comfort, elegance and breath-taking waterfront views. Offering two bedrooms, two luxurious baths and a versatile bonus room, this custom home features a stunning front to back family room with gorgeous built-ins and millwork. The living/dining room has a wall of glass with custom sliding doors that open to a brand new Trex deck overlooking the water, perfect for enjoying amazing sunsets. The gourmet kitchen is a chef's dream showcasing custom cabinetry, gleaming granite countertops, premium SS appliances, a warming drawer, pot filler and exceptional workspace for preparing memorable meals. Retreat to the magnificent primary suite, featuring a private balcony, spacious walk-in closet, and an elegant spa-inspired bath with custom tile finishes. Fine craftsmanship is evident throughout with custom millwork, built-in cabinetry, rich hardwood flooring with in-lays, designer tile and high-end finishes that create a warm yet sophisticated atmosphere. Step outside to landscaped and hardscaped grounds complete with stone walkways, an inviting patio, granite steps leading to the water, a private dock and a partially fenced yard. Enjoy endless days of boating, fishing, swimming, paddle-boarding, kayaking and making lifelong memories on one of NH's most desirable waterbodies. An over-sized detached garage, situated on a separate lot provides room for up to 4 vehicles, while offering abundant storage for your boat, jet-skis, snowmobiles and all of your water toys. Two driveways, ensures lots of parking for family and friends. This is more than a home, it's a rare opportunity to own a waterfront lifestyle where luxury, recreation and the beauty of Milton Three Ponds come together in perfect harmony!

Features

  • Rooms: 8
  • Bedrooms: 2
  • Baths: 2 full
  • Style: Craftsman
  • Year Built: 1950
  • Garage: 2-car Garage
  • Heating: Hot Air
  • Cooling: Wall AC Units
  • Basement: Finished
  • Approx Sq. Feet: 2,181
  • Acreage: 0.32
  • Est. Taxes: $12,661
  • Lot Desc: Lake Access,Lake Frontage,Lake View,Mountain View,Pond Frontage,Street Lights,View,Walking Trails,Water View,Near Paths,Near Shopping,Near Skiing,Near Snowmobile Trails,Neighborhood
  • Elem. School: Milton Elementary School
  • Middle School: Nute Middle and High School
  • High School: Nute High School
  • MLS#: 5097807
  • Website: https://www.raveis.com
    /prop/5097807/174saintjamesavenue_milton_nh?source=qrflyer
©2026 New England Real Estate Network, Inc. All rights reserved.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 7/5/2026
Listing courtesy of Coldwell Banker - Peggy Carter Team   Phone: 603-742-4663
Listing Agent: Cubbi Lirette

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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:

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174 Saint James Avenue, Milton, NH, 03851

$998,900

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 $799,120 $799,120 $799,120
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% 6.121% 6.183%
Monthly Tax Payment $1,055 $1,055 $1,055
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,537 $4,791 $6,743
Total Monthly Payment $5,684 $5,938 $7,890

* 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.