12 Spruce StreetSaint AlbansVT05478
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Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Investment Highlights
Investment property for sale in Saint Albans at 12 Spruce Street, Saint Albans, VT, 05478 listed at $289,000 pairs $2,720/mo rent with a $1,415/mo payment to leave $797/mo cash flow. Total monthly income runs $2,720/mo, and annual cash flow reaches $9,562/yr on $95,804 cash to close. Return on cash invested measures 29.89% in year one, and rental yield registers 11.29% at a $289,000 basis. Equity gained on principal adds $1,865/yr, and annual property appreciation at 5% supports $79,845 by year five. Five-year ROI tracks 156.97% and total cumulative return in cash totals $150,386. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $2,720/mo property income relative to a $1,415/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).
Single Family
Built in 1870
5,663 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
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Listed by: The Cheryl Boissoneault Team • Your Journey Real Estate
Mls Name: PrimeMLS
Mls Provider:
Mls ID: #5031761
Disclaimer: Copyright 2025 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 2025-04-23 12:19:14 PDT. This display of listings may or may not be the entire Compilation from the PrimeMLS database, and PrimeMLS does not guarantee the accuracy of such information.