126 Georgia Shore Road, St Albans bay, VT, 05478
About This Home
Walk to the marina. Watch the fireworks from your front yard. Live the lake life. Experience lakefront living with built-in opportunity at this beautifully maintained 4-bedroom, 3-bath property offering direct water frontage and an additional dwelling unit (ADU)—ideal for extended family, guests, or supplemental income. The main residence features a thoughtful layout with generous living spaces, abundant natural light, and seamless indoor-outdoor flow for enjoying lake views and easy water access. Located just a short walk to the St. Albans Bay Marina and the Bay Park, this home places boating, dining, and the best of St. Albans Bay right at your doorstep. A truly special highlight: the Fourth of July fireworks are launched right in the bay—meaning the show is enjoyed from your own front yard, creating unforgettable summer memories without ever leaving home. The separate ADU offers flexibility and privacy and has been successfully used by the current owner as a short-term rental. The property has demonstrated strong, consistent Airbnb performance, making it appealing for buyers interested in offsetting ownership costs or continuing a well-established rental setup. With parking, privacy, and a waterfront setting that appeals to both full-time residents and vacationers, this property delivers a rare blend of walk-to-marina convenience, lakefront lifestyle, and income potential. Just minutes away from I-89, 30 minutes to Burlington, an hour to Jay Peak and 1 hour 20 minutes to Montreal, this waterfront property is a must see!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Foundation: Concrete
- Roof: Shingle
- Construction materials: Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 2,504
Heating & Cooling
- Heating features: Oil,Radiant Floor
- Cooling features: Mini Split
Interior Area
- Total structure area: 3,596
- Total interior livable area: 2,504 sqft
Property
Details
- Parcel number: 55217412339
- Zoning description: Residential
Features
- Levels: Two
- Stories: 2
- Has view: Yes
- View description: Water,Lake
- Has water view: Yes
- Water view: Water,Lake
- On waterfront: Yes
- Waterfront features: Beach Access,Lake Access,Lake Front,Lakes,Waterfront
- Waterbody name: Lake Champlain
- Frontage length: Road frontage: 30
Lot
- Lot size: 9,148 sqft
- Features: Landscaped,Major Road Frontage
Parking
- Total spaces: 2
- Parking features: Paved
- 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
- Inland Flooding
- Ice Storm
- Strong Wind
- Winter Weather
- Cold Wave
How This Home’s Risks Compare
FEMA Declared Disasters Across Vermont Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,939 | $47,268 |
| Home Insurance | $220 | $2,640 |
| Property Taxes | $908 | $10,896 |
| Electricity | $318 | $3,822 |
| Total | $5,385 | $64,620 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-31 | Price change | $799,000 |
| 2026-03-02 | Listed for sale | $849,000 |
| 2021-04-06 | Listing removed | -- |
| 2021-02-22 | Listed for sale | $625,000 |
| 2012-08-29 | Sold | $275,000 |
| 2012-08-02 | Pending sale | $380,000 |
| 2012-07-16 | Listed for sale | $380,000 |
| 2012-01-07 | Listing removed | $475,000 |
| 2011-07-13 | Listed for sale | $475,000 |
| 2000-04-05 | Sold | $175,000 |
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