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Adam Dow

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

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450 Hathaway Point Rd , St. Albans Town, VT 05478
$649,000
Est. Payment: $3,382.03/mo
3 Bed
2 Bath
2104 Sqft
Status: pending | Days on site: 29
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Welcome to Vermont lake life at its finest. Positioned along the shores of Lake Champlain, this beautiful 3-bedroom, 2-bathroom home offers the kind of waterfront lifestyle buyers dream about & guests never want to leave. A year-round residence, seasonal retreat, or an investment opportunity with exceptional Airbnb potential, this property delivers the perfect blend of comfort & unforgettable experiences. Inside, the first floor features a spacious formal dining room made for gathering, & a renovated kitchen complete with upgraded backsplash, Brazilian granite countertops, & an oversized walk-in pantry that could easily serve as an office, coffee bar, or owner supply room for short-term rental use. The expansive living room offers plenty of space to relax & entertain, while a full bath on the main level adds convenience. Upstairs, the primary suite shines; generously sized & filled with natural light, it opens onto a private balcony overlooking the water. Facing east, the home captures breathtaking sunrises that will stay with you for years to come. Two additional bedrooms & a 2nd full bathroom provide ample room for hosting with ease. The detached 2-story garage is an experience all its own. Fully insulated & heated, with finished recreational space above, it offers the ultimate bonus area for game nights, a lounge or guest overflow, all while enjoying views of the lake just beyond. Outside, enjoy swimmable waters, a beautifully maintained beachfront, 48 feet of privately owned shoreline, & a private, owned dock for an incredible lakefront setting. Conveying with access to a shared community beach & dock, there is even more value for owners & visitors alike. Recent improvements include a newer furnace, updated bathrooms, tray ceilings, a septic system less than 10 years old, & gorgeous stonework. Undeniably, this property is not only move-in ready, but the kind of home where memories are made - treat yourself to a property that defines the VT waterfront lifestyle.

Highlights

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

Property Type

Residential

Lot/Acreage
0.19

HOA Fee

10 Yearly

Year Built

1966

County

Franklin

School District

Franklin Northeast

Listing ID

5092765

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:1
  • 3/4 Bathrooms:1
Appliances:Electric Cooktop, Dishwasher, Dryer, Freezer, Microwave, Electric Range, Refrigerator, Washer
Floor:Combination
Above Ground Sq Ft:2104
Basement:Yes,Concrete Floor,Storage Space,Unfinished
Other:Level 1: Full Bathroom,Level 1: Dining Room,Level 1: Kitchen,Level 1: Living Room,Level 1: Office/Study,Level 1: Other,Dining Area,Kitchen Island,Kitchen/Dining,Natural Light,Natural Woodwork,Indoor Storage,Walk-in Pantry,Basement Laundry

Exterior Features

Lot:Existing,Waterfront,Lake Champlain, Waterbody Type: Lake, Waterbody Access: Exclusively Owned, Waterfront: 48 ft
Zoning:Residential
Roof:Metal
Others:Boat Slip/Dock,Docks,Balcony,Garden Space,Natural Shade,Porch,Covered Porch,Private Dock,ROW to Water,Storage,Beach Access,Cross a Street to Access
Sewer:Mound,Private
Parking Features:Auto Open,Heated Garage,Storage Above,Driveway,Garage,Parking Spaces 1 - 10,Paved,Covered,Detached
Principal Interest
$3,382
Taxes
$470
HOA
$10

Home Price

$649,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$129,800
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:
$3,382.03

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,382.03 $470.44 $10.00 $3,862.47
Yearly $40,584.35 $5,645.24 $120.00 $46,349.59
Total $1,217,530.54 $169,357.20 $3,600.00 $1,390,487.74

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 (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 1, 2026 11:51pm

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

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