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Your lakeside escape awaits! Nestled along the shores of beautiful Lake Carmi, this charming seasonal cottage offers a rare opportunity to own a piece of Vermont’s natural beauty. Set on a spacious . 44-acre lot, this unique property features two separate sides — each with 2 bedrooms, 1 full bath, an open-concept kitchen and living area, and a private deck overlooking the sparkling water. Thoughtfully renovated in 2017, with updates including new electrical, plumbing, windows, doors, and insulation, this cottage is move-in ready for summer adventures and autumn retreats. A private well, added in 2014, ensures reliable water year-round, while JOTUL gas stoves extend the season with cozy spring and fall getaways. Designed for comfort, the cottage also boasts ceiling fans and wide overhangs that keep things cool on warm summer days. Step outside to your own slice of paradise—morning coffee, sunset dinners, and unforgettable gatherings await on the spacious back deck with panoramic lake views. Enjoy direct private access to Lake Carmi via a 5-foot right of way and included dock, perfect for boating, fishing, or simply floating the day away. Lovingly cared for by four generations, this property is more than a camp—it's a place where memories are made and traditions are built. Whether you’re looking for a family getaway, a shared retreat with friends, or an investment opportunity, both sides can be sold furnished to make your transition effortless.
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Our Executive Mortgage Banker:
Our Insurance Division:
$299,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
NMLS Mortgage Loan Originator ID 793093
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $239,200 | $239,200 | $239,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.990% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.095% | 7.141% | 6.152% |
Monthly Tax Payment | $238 | $238 | $238 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,512 | $1,590 | $2,002 |
Total Monthly Payment | $1,825 | $1,903 | $2,315 |
* 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.