638 Bay Road, Shelburne, VT, 05482 | $769,000

Right on the water. Zero pretense. Built in 2010 and tucked along Shelburne Bay, this sharp, energy-efficient home delivers front-row lake access with 77 feet of owned frontage. The connection to the lake is immediate and immersive. The white cedar shakes nod to classic New England waterfront design. Inside, the home was purpose-built to frame the view—oversized north-facing windows draw the lake in, and the layout keeps your attention exactly where it belongs: on the water. Walls of glass offer sweeping views from nearly every room and spotlight the bay’s stunning sunsets each evening. The interior is clean and intuitive, with thoughtful updates throughout and 5-star energy-rated efficiency, including mini-splits for year-round comfort. Every inch is intentional—high-performing without trying too hard. The deck extends your living space outdoors, practically hovering over the lake. Seasonal water-level changes create a dynamic shoreline, drawing in herons, eagles, and other birdlife. A summer half-bath and exterior storage make lake days easy—just grab your paddleboard and go. You're less than a mile to Shelburne Bay Park and minutes from Shelburne Farms. Under 15 minutes to Burlington, UVM Medical Center, and the airport. It’s rare to find a home this close to the lake with this kind of access and this kind of vibe. Not remote. Not oversized. Just the right mix of simplicity, style, and shoreline.

Features

  • Rooms: 4
  • Bedrooms: 2
  • Baths: 1 full / 2 half
  • Style: Bungalow,Cottage/Camp,Walkout Lower Level
  • Year Built: 2010
  • Heating: Natural Gas,Hot Water,Multi Zone,Radiant
  • Cooling: Mini Split
  • Basement: Finished,Full,Stairs - Interior,Walkout
  • Approx Sq. Feet: 894
  • Acreage: 0.26
  • Est. Taxes: $10,250
  • Lot Desc: Lake View,Mountain View,View,Waterfront,Near Railroad
  • Water Front: Yes
  • Elem. School: Choice
  • Middle School: Choice
  • High School: Champlain Valley UHSD #15
  • School District: Chittenden South
  • MLS#: 5042527
  • Website: https://www.raveis.com
    /prop/5042527/638bayroad_shelburne_vt?source=qrflyer
©2025 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 5/25/2025
Listing courtesy of Element Real Estate   Phone: 802-497-2575
Listing Agent: Jessica Bridge

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Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093

203.415.2989

Brian.Skelly@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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638 Bay Road, Shelburne, VT, 05482

$769,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Brian Skelly

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 $615,200 $615,200 $615,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.625% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.109% 7.166% 6.268%
Monthly Tax Payment $854 $854 $854
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,939 $4,089 $5,188
Total Monthly Payment $4,885 $5,035 $6,134

* 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.