425 Bingham Shore Road, St. Albans Town, VT, 05478 | $414,900

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.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 1 three-quarter
  • Style: Cottage/Camp
  • Year Built: 1960
  • Heating: Propane,Wood
  • Cooling: None
  • Approx Sq. Feet: 768
  • Acreage: 0.14
  • Est. Taxes: $5,333
  • Lot Desc: Beach Access,Lake Access,Lake Frontage,Lake View,Lakes,Landscaped,Level
  • School District: Maple Run USD
  • MLS#: 5100992
  • Website: https://www.raveis.com
    /prop/5100992/425binghamshoreroad_stalbanstown_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 7/29/2026

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Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957

914.260.5535

Mace.Rattet@raveis.com

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Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69244

914.260.2006

Francine.Silberman@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

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425 Bingham Shore Road, St. Albans Town, VT, 05478

$414,900

The Fair Team

Luxury Properties Specialists

William Raveis Real Estate

Phone: 203.858.6301

TheFairTeam@raveis.com

Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535

Mace.Rattet@raveis.com

NMLS Mortgage Loan Originator ID 69957

Francine Silberman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.2006

Francine.Silberman@raveis.com

NMLS Mortgage Loan Originator ID 69244

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
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.