2459 VT Route 105, Derby, VT, 05829 | $649,000

Lake life has never looked better! This big, beautiful home on Lake Salem offers an exceptional blend of space, privacy, and waterfront living with VAST Trail access. Thoughtfully landscaped and a proud recipient of the Lake Wise Award, this property features shallow, gradual water access that is ideal for children, families, swimming, kayaking, and relaxing by the shore. Inside, the home is bright, open, and spacious, with 3 generously sized bedrooms, each with its own private full bathroom! Bonus living space above the garage provides even more room for guests, a home office, game room, or additional sleeping accommodations. One of the home’s standout features is the gorgeous enclosed cocktail porch, perfect for enjoying morning coffee, evening drinks, and peaceful lake views in any weather. A private deck near the water creates the perfect place to unwind, entertain, or take in the surrounding natural beauty. Perfectly positioned in Derby, this property offers exceptional convenience and access to some of the Northeast Kingdom's best destinations. Located just 3 miles from Derby Center, less than 15 minutes from downtown Newport, and only 10 minutes from the Canadian border, you'll enjoy easy access to grocery stores, shopping, restaurants, schools, entertainment, and everyday amenities. Outdoor enthusiasts will appreciate being less than an hour from both Jay Peak Resort and Burke Mountain for year-round skiing, riding, hiking, and mountain biking, while the crystal-clear waters of Lake Willoughby are just a 15-minute drive away. With a proven rental history generating reliable seasonal income, this property offers exceptional investment potential and flexibility. Whether you're searching for a year-round residence, a lakeside vacation retreat, or an income-producing investment property, this home checks every box!!

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 4 full
  • Style: Contemporary,Multi-Level,Walkout Lower Level
  • Year Built: 2005
  • Garage: 2-car Garage
  • Heating: Propane,Baseboard,Radiant
  • Cooling: None
  • Basement: Finished,Walkout
  • Approx Sq. Feet: 3,568
  • Acreage: 0.72
  • Est. Taxes: $7,933
  • Lot Desc: Beach Access,Country Setting,Lake Access,Lake Frontage,Lake View,Lakes,Landscaped,Secluded,Slight,Sloping,View,Water View,Waterfront,Near Country Club,Near Golf Course,Near Paths,Near Shopping,Near Skiing,Near Snowmobile Trails,Near Public Transport,Near Hospital,Near ATV Trail,Near School(s),Private
  • Water Front: Yes
  • Elem. School: Derby Elementary
  • Middle School: North Country Junior High
  • High School: North Country Union High Sch
  • School District: North Country Supervisory Union
  • MLS#: 5100429
  • Website: https://www.raveis.com
    /prop/5100429/2459vtroute105_derby_vt?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 7/21/2026
Listing courtesy of Century 21 Farm & Forest   Phone: 802-334-1200
Listing Agent: Whitney Poginy

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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

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2459 VT Route 105, Derby, VT, 05829

$649,000

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 $519,200 $519,200 $519,200
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% 6.640% 5.952%
Monthly Tax Payment $661 $661 $661
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,110 $3,278 $4,311
Total Monthly Payment $3,863 $4,031 $5,064

* 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.