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Presented by
Manuela Porreco |
4 Bowles Lane, St. Albans City, VT, 05478 | $325,000
Welcome to this charming, 2 bedroom, 1 bathroom raised ranch nestled on a quiet dead-end lane in the heart of St. Albans City. Built in 1989, this well-maintained, inviting home sits on 0. 22 acres and offers the perfect blend of comfort, privacy, and convenience. Step inside to find a bright and open layout joining the living room and kitchen areas together, making it perfect to entertain. The spacious kitchen and dining area open directly onto the large back deck—ideal for enjoying your morning coffee or hosting summer dinners. The fully fenced-in backyard where lots of landscaping has been done from opening the land from trees, building garden beds ready for your summer enjoyment and even creating the perfect home for chickens; this yard is a true highlight! Upstairs you’ll also find the two bedrooms, one with a walk-in closet, and the full bathroom. Heading downstairs, the laundry area has been built for your ease. The basement provides excellent storage space, plus two areas for additional needs. Updates include fresh paint, a new boiler in November of 2022 and a brand new sump pump. Located within walking distance to downtown St. Albans, you'll enjoy easy access to shops, dining, parks, and more, all while tucked away on a peaceful street. Don’t miss this opportunity to own a charming home in a prime location!
Features
- Rooms: 4
- Bedrooms: 2
- Baths: 1 full
- Style: Raised Ranch
- Year Built: 1989
- Heating: Natural Gas,Baseboard
- Cooling: None
- Basement: Concrete Floor,Stairs - Interior,Unfinished,Interior Access
- Approx Sq. Feet: 1,001
- Acreage: 0.22
- Est. Taxes: $5,483
- Lot Desc: Level
- Elem. School: St Albans City School
- Middle School: St. Albans City School
- High School: BFASt Albans
- School District: Maple Run USD
- MLS#: 5037743
- Website: https://www.raveis.com
/prop/5037743/4bowleslane_stalbanscity_vt?source=qrflyer
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 5/12/2025
William Raveis Family of Services
Our 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.
Manuela PorrecoLuxury Properties Specialist
561.568.9027
Manuela.Porreco@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@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
Yokadi MejiaInsurance Sales Director, William Raveis Insurance
561.335.7966
Yokadi.Mejia@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
4 Bowles Lane, St. Albans City, VT, 05478
$325,000
Manuela Porreco
Luxury Properties Specialist
William Raveis Real Estate
Phone: 561.568.9027
Manuela.Porreco@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $260,000 | $260,000 | $260,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.058% | 7.063% | 6.132% |
| Monthly Tax Payment | $457 | $457 | $457 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,643 | $1,708 | $2,177 |
| Total Monthly Payment | $2,175 | $2,240 | $2,709 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484