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Adam Dow

| The Dow Group | #1 Real Estate Team in New Hampshire

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227 Whispering Pines Rd , Derby, VT 05829
$689,900
Est. Payment: $3,595.16/mo
3 Bed
2 Bath
2640 Sqft
Status: active | Days on site: 19
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Charming waterfront home offering approximately 2,000 square feet of living space with 3 bedrooms, 2 baths, a private dock providing direct access to Lake Memphremagog, and adjoining access to the bike path for miles of scenic walking and riding right from your doorstep. Clad in log siding and situated on a level lot, this property combines a country aesthetic with an exceptional lakeside setting. Hardwood floors throughout the living area, vaulted ceilings, and large windows create a space designed for relaxation and entertaining. The highlight of the home is the three-season porch, where lake views providethe perfect backdrop for morning coffees or evening gatherings. An eat-in kitchen, bedroom, den, and full bath complete the main level. The second level features a loft area ideal for lounging or accommodating guests, along with two additional bedrooms and a spacious full bath. A 18' x 28' garage provides additional parking/storage while the finished basement adds valuable bonus space, with potential for home office use, or fitness area. Serviced by private septic, drilled well, heat pump, and several propane wall-units. Conveniently located near VAST trail access, Derby Elementary School, downtown Newport and its full range of amenities. Whether you're seeking a primary residence, seasonal getaway, or investment opportunity, this property offers the perfect blend of waterfront living and year-round enjoyment. Sellers have a current lease in the amount of $300/year for lakefront access, for up to 25 years.

Highlights

Listed by James Campbell , 802-334-3400 and Luke Sykes , 802-673-2882 Jim Campbell Real Estate , 802-334-3400. PrimeMLS mls logo

Property Type

Residential

Lot/Acreage
0.63

Year Built

2000

County

Orleans

School District

North Country Supervisory Union

Listing ID

5095285

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Washer, Electric Stove, Heat Pump Water Heater, Exhaust Fan
Floor:Carpet,Combination,Hardwood,Laminate,Vinyl
Above Ground Sq Ft:1920
Basement:Yes,Concrete,Finished,Interior Stairs,Walkout
Other:Level 1: Bedroom,Level 1: Family Room,Level 1: Living/Dining,Level 1: Other,Ceiling Fan,Kitchen Island,Kitchen/Dining,Kitchen/Living,1st Floor Laundry

Exterior Features

Lot:Existing,Memphremagog Lake, Waterbody Type: Lake
Zoning:Residential
Roof:Architectural Shingle
Others:Docks,Garden Space,Natural Shade,Covered Porch,Screened Porch,Private Dock,Window Screens,Water Access is Leased
Sewer:1000 Gallon,Leach Field at Grade,Conventional Leach Field,Private,Septic
Parking Features:Driveway,Garage,Attached
Principal Interest
$3,595
Taxes
$604

Home Price

$689,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$137,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,595.16

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,595.16 $603.70 $0.00 $4,198.87
Yearly $43,141.98 $7,244.42 $0.00 $50,386.40
Total $1,294,259.35 $217,332.60 $0.00 $1,511,591.95

Today's Rates

30 Year

6.79%

20 Year

6.27%

15 Year

6.15%

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Market insight data is pulled from the same city as the listing being viewed (Derby, VT).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Copyright 2026 PrimeMLS, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this display comes in part from the IDX Program of PrimeMLS. 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 August 1, 2026 11:51pm

Data last updated: 2026-08-02T03:51:12.800Z

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