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Adam Dow

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

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4 Smith St , St. Albans City, VT 05478
$539,000
Est. Payment: $2,796.75/mo
3 Bed
3 Bath
2650 Sqft
Status: active | Days on site: 6
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Welcome to this well-maintained and inviting ranch-style home in the desirable Hill Section of St. Albans City. Offering more than 2,500 square feet of living space, this property blends classic character, generous rooms and a flexible layout on a spacious landscaped lot. A covered front porch creates a warm first impression, while mature trees and plantings add privacy and curb appeal. Inside, hardwood floors extend through much of the main level, beginning with a bright entry and opening into an expansive living and dining area filled with natural light. The open kitchen features white cabinetry, granite counters, stainless steel appliances, a gas range and a convenient peninsula for casual seating and serving. Just beyond, the den offers a comfortable retreat centered around a handsome gas fireplace with a brick and wood surround. Sliding glass doors connect the living space to a covered deck, ideal for summer meals, morning coffee or relaxing while overlooking the backyard. The home offers three bedrooms and three bathrooms, including spacious bedrooms with ample closet space, plus the ease of main-level laundry. Designed for convenient single-level living, the floor plan also provides plenty of room to spread out too. The partially finished lower level adds versatility with a large recreation room, finished rooms suited for an office, hobbies, guests or exercise, a bathroom and unfinished storage and workshop space. A second set of glass doors in the lower level provides easy yard access while bringing in natural light. Outside, the private yard provides room for gardening, play, chickens and outdoor gatherings. The attached garage offers protected parking and storage. Built in 1970 and well maintained, the home features solid construction and a blend of brick and siding. Set in a quiet, established neighborhood, it is close to downtown St. Albans, schools, shopping, dining and I89. This property delivers space, comfort and potential in a sought-after location.

Highlights

Listed by Robert Foley , 802-318-0833 Flat Fee Real Estate , 802-318-0833. PrimeMLS mls logo

Property Type

Residential

Lot/Acreage
0.33

Year Built

1970

County

Franklin

School District

St Albans City School District

Listing ID

5101918

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:1
  • 3/4 Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Gas Range, Refrigerator, Washer
Floor:Carpet,Hardwood,Vinyl
Above Ground Sq Ft:2050
Basement:Yes,Walkout
Other:Dining Area,Gas Fireplace,1 Fireplace,Kitchen Island,Kitchen/Dining,Kitchen/Family,Kitchen/Living,Living/Dining,Primary BR w/ BA

Exterior Features

Lot:Existing
Zoning:Residential
Roof:Shingle
Others:Deck,Garden Space
Sewer:Public
Principal Interest
$2,797
Taxes
$900

Home Price

$539,000

Loan Details

30 yrs
6.75%

Down Payment

20%
$107,800
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:
$2,796.75

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,796.75 $900.00 $0.00 $3,696.75
Yearly $33,561.06 $10,800.00 $0.00 $44,361.06
Total $1,006,831.80 $324,000.00 $0.00 $1,330,831.80

Today's Rates

30 Year

6.75%

20 Year

6.69%

15 Year

6.19%

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Market insight data is pulled from the same city as the listing being viewed (St. Albans City, 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 2, 2026 3:01am

Data last updated: 2026-08-02T07:01:24.600Z

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