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Adam Dow

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

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425 Bingham Shore Rd , St. Albans Town, VT 05478
$414,900
Est. Payment: $2,152.83/mo
3 Bed
1 Bath
768 Sqft
Status: pending | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Imagine waking to the gentle rhythm of rolling waters, the distant hum of boats crossing Lake Champlain, & the peaceful soundtrack of lake life unfolding just beyond your doorstep. Nestled along the shores of Vermont's beloved lake, this seasonal cottage offers a rare opportunity to own private land with direct lake access & owned frontage - your own personal retreat where every day feels like a getaway. Set within a quaint community, this move-in-ready property captures everything that makes summers on the lake so unforgettable. Whether you're spending long afternoons boating or ice fishing in the winter months, this is a place where memories are made for generations. Well maintained & thoughtfully updated, the cottage is ready to enjoy. Significant improvements throughout the property include a new roof (2019), beautiful new overlook deck, new front entry steps, gutters, updated appliances, new lake view windows, & continued commitment to exceptional care & maintenance that shines throughout every inch of the home. Designed for comfortable seasonal living, the cottage features a practical kitchen, dining area with breathtaking views of the lake, inviting living room, 3 bedrooms, & 3/4 bathroom - plenty of space to suit all needs. Adding to its appeal, the home is equipped with its own private utilities, including a drilled well, 1,000-gallon septic system, & dual heat sources featuring a newly installed Rinnai propane heater & cozy wood stove. Pull down attic access offers space for extra storage & an outdoor shower makes lake life a breeze, while a shed adds even more convenience! While this peaceful lakeside escape feels wonderfully secluded, it's only minutes from the vibrant heart of St. Albans Bay, restaurants, & quick access to I-89. Whether you're searching for the ideal summer retreat, a drop zone for winter recreation, or a peaceful weekend escape (or an entire season) this exceptional waterfront property delivers the best of both worlds.

Highlights

Listed by Nicole Broderick , 802-522-7877 Coldwell Banker Hickok and Boardman , 802-863-1500. PrimeMLS mls logo

Property Type

Residential

Lot/Acreage
0.14

Year Built

1960

County

Franklin

School District

Maple Run USD

Listing ID

5100992

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:1
  • Full Bathrooms:0
  • 3/4 Bathrooms:1
Appliances:Microwave, Electric Range, Refrigerator
Above Ground Sq Ft:768
Basement:No
Other:Level 1: Bedroom,Level 1: 3/4 Bathroom,Level 1: Dining Room,Level 1: Kitchen,Level 1: Living Room,Ceiling Fan,Dining Area,Kitchen/Dining,Kitchen/Living,Living/Dining,Natural Light,Natural Woodwork,Wood Stove Hook-up,Attic with Pulldown

Exterior Features

Lot:Existing,Waterfront,Lake Champlain, Waterbody Type: Lake, Waterbody Access: Exclusively Owned
Zoning:Seasonal
Roof:Metal
Others:Docks,Deck,Garden Space,Natural Shade,Porch,Shed,Storage,Beach Access,Directly Adjoining
Sewer:500 Gallon,Private
Parking Features:Driveway
Principal Interest
$2,153
Taxes
$444

Home Price

$414,900

Loan Details

30 yrs
6.75%

Down Payment

20%
$82,980
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:
$2,152.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,152.83 $444.41 $0.00 $2,597.24
Yearly $25,833.92 $5,332.96 $0.00 $31,166.88
Total $775,017.65 $159,988.80 $0.00 $935,006.45

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 Town, 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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