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38 Hillcrest Heights, Saint Albans, VT, 05478

1beds
2baths
1,600sqft
$459,900
$287price/sqft
$3,245/moest. monthly cost
$129,800/yrincome needed

About This Home

Build your dream home without starting from scratch. Perched atop nearly 4 private acres in one of St. Albans Town's most desirable hilltop neighborhoods, this one-of-a-kind property showcases sweeping panoramic views of Lake Champlain, the Champlain Valley, and the Adirondack Mountains. Designed with the future in mind, the property includes a state-approved wastewater permit for a future three-bedroom residence, giving the next owner the rare opportunity to enjoy the existing living space while planning and building their dream home. The current residence offers a thoughtfully designed one-bedroom, one-bath living area above an impressive commercial-grade garage. The finished first level provides additional flexible living space with a spacious family room and bonus sleeping area, making it ideal for guests, hobbies, a home office, or extended stays. Whether you're seeking a private retreat, an exceptional property with room to expand, or a unique investment in one of St. Albans Town's premier locations, this offering is truly unlike anything else on the market. Enjoy peaceful country living with unmatched scenery, all while being just minutes from downtown St. Albans, shopping, dining, schools, and I-89. Properties offering this combination of breathtaking views, privacy, versatility, and future building potential are exceptionally rare. Don't miss your opportunity to make this remarkable property your own.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Concrete Slab
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Adirondack
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Washer,Electric Stove
  • Laundry features: 1st Floor Laundry

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/4 bathrooms: 1

Features

  • Living/Dining,Natural Light
  • Flooring: Vinyl Plank
  • Finished area below ground: 0
  • Finished area above ground: 1,600

Heating & Cooling

  • Heating features: Mini Split
  • Cooling features: Mini Split

Interior Area

  • Total structure area: 1,890
  • Total interior livable area: 1,600 sqft

Property

Details

  • Zoning description: residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered Porch
  • Exterior features: Garden
  • Has view: Yes
  • View description: Water,Mountain(s)
  • Has water view: Yes
  • Water view: Water
  • Waterbody name: Lake Champlain

Lot

  • Lot size: 3.87 Acres
  • Features: Corner Lot,Country Setting,Views,Near Hospital

Parking

  • Total spaces: 2
  • Parking features: Crushed Stone
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Ice Storm
Strong Wind
Winter Weather
Cold Wave

FEMA Declared Disasters Across Vermont Counties

Flood
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,325$27,900
Home Insurance $130$1,560
Property Taxes $536$6,432
Electricity $254$3,053
Total$3,245$38,940

Income You'd Need if You Spent...

35% on housing$111,257/yr
40% on housing$97,350/yr
45% on housing$86,533/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.6%
7.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$287This listing

vs Other Active Listings

Avg $/sqft

ZIP 05478$199
Franklin County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 05478$201
Franklin County$201

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-29Listed for sale$459,900
2026-07-05Pending sale$459,900
2026-06-26Price change$459,900
2026-06-12Listed for sale$469,900

For Sale by Agent

AgentEmily E Norris
BrokerageCENTURY 21 North East

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