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Adam Dow

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

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32 Mack's Dr Unit 2 , Derby, VT 05829
$199,000
Est. Payment: $1,037.02/mo
2 Bed
1 Bath
798 Sqft
Status: pending | Days on site: 15
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Super affordable, furnished seasonal waterfront cottage on Lake Salem offering move-in-ready convenience and low-maintenance lakefront living. Welcome to Mack's Cottages, where Cottage #2 is one of just five cottages within this charming lakeside community. The main level features two bedrooms, a 3/4 bathroom, a kitchen and dining area, and a fully screened porch perfect for relaxing and enjoying the lake breeze. The mostly finished lower level provides additional sleeping quarters, a comfortable family room, and a mechanical room. Numerous improvements have been completed in recent years, including a finished basement, newly shingled roof, updated windows, electrical and plumbing upgrades, fresh exterior paint, two mini-split heat pumps providing both heating and air conditioning, an on-demand water heater, and much more. The property includes shared waterfront access and common areas and it's own lakeside firepit area. Annual association dues are just $800 and cover landscaping, trash removal, water & septic maintenance, and liability insurance. If you're looking for an affordable waterfront getaway without the hassle of ongoing maintenance, this property checks all the boxes. Simply arrive, unpack, and start enjoying life at the lake.

Highlights

Listed by Jenna Flynn , 802-673-9856 Jim Campbell Real Estate , 802-334-3400. PrimeMLS mls logo

Property Type

Residential

HOA Fee

800 Yearly

Year Built

1945

County

Orleans

Listing ID

5096610

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:1
  • Full Bathrooms:0
  • 3/4 Bathrooms:1
Appliances:Microwave, Mini Fridge, Gas Range, Refrigerator, On Demand Water Heater, Water Heater
Air Cond:Mini Split
Fireplaces:
Floor:Carpet,Laminate,Tile,Vinyl
Above Ground Sq Ft:528
Basement:Yes,Climate Controlled,Concrete,Concrete Floor,Finished,Full,Interior Stairs,Walkout,Interior Access,Exterior Access
Other:Furnished

Exterior Features

Lot:Existing,Waterfront,Salem Lake, Waterbody Type: Lake, Waterbody Access: Shared
Zoning:Per Derby
Roof:Shingle
Others:Natural Shade,Enclosed Porch,Screened Porch,Deep Water Access,Directly Adjoining,Shared-Private
Sewer:Concrete,Shared
Principal Interest
$1,037
Taxes
$155
HOA
$800

Home Price

$199,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$39,800
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:
$1,037.02

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,037.02 $155.19 $800.00 $1,992.21
Yearly $12,444.20 $1,862.32 $9,600.00 $23,906.52
Total $373,326.00 $55,869.60 $288,000.00 $717,195.60

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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