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Presented by
The Fair Team |
Imagine waking to the gentle rhythm of rolling waters, the distant hum of boats crossing Lake Champlain, & the peaceful soundtrack of lake life unfolding just beyond your doorstep. Nestled along the shores of Vermont's beloved lake, this seasonal cottage offers a rare opportunity to own private land with direct lake access & owned frontage - your own personal retreat where every day feels like a getaway. Set within a quaint community, this move-in-ready property captures everything that makes summers on the lake so unforgettable. Whether you're spending long afternoons boating or ice fishing in the winter months, this is a place where memories are made for generations. Well maintained & thoughtfully updated, the cottage is ready to enjoy. Significant improvements throughout the property include a new roof (2019), beautiful new overlook deck, new front entry steps, gutters, updated appliances, new lake view windows, & continued commitment to exceptional care & maintenance that shines throughout every inch of the home. Designed for comfortable seasonal living, the cottage features a practical kitchen, dining area with breathtaking views of the lake, inviting living room, 3 bedrooms, & 3/4 bathroom - plenty of space to suit all needs. Adding to its appeal, the home is equipped with its own private utilities, including a drilled well, 1, 000-gallon septic system, & dual heat sources featuring a newly installed Rinnai propane heater & cozy wood stove. Pull down attic access offers space for extra storage & an outdoor shower makes lake life a breeze, while a shed adds even more convenience! While this peaceful lakeside escape feels wonderfully secluded, it's only minutes from the vibrant heart of St. Albans Bay, restaurants, & quick access to I-89. Whether you're searching for the ideal summer retreat, a drop zone for winter recreation, or a peaceful weekend escape (or an entire season) this exceptional waterfront property delivers the best of both worlds.
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 7/29/2026Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Executive Mortgage Banker:
Our Insurance Division:
$414,900
Luxury Properties Specialists
William Raveis Real Estate
Phone: 203.858.6301
TheFairTeam@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 914.260.5535
Mace.Rattet@raveis.com
NMLS Mortgage Loan Originator ID 69957
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 914.260.2006
Francine.Silberman@raveis.com
NMLS Mortgage Loan Originator ID 69244
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $331,920 | $331,920 | $331,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.750% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.902% | 6.098% |
| Monthly Tax Payment | $444 | $444 | $444 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,044 | $2,153 | $2,779 |
| Total Monthly Payment | $2,563 | $2,672 | $3,298 |
* 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.