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    St. Albans City Duplex Title is generated by Realmo AI

    18 Diamond St, St Albans, VT 05478

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    For Sale
    $385,000

    Well-maintained duplex near downtown St. Albans with separate utilities.

    Type:Investment
    Property size:
    2,200 SF
    Price / SF:
    $175/SF
    Added:
    May 20, 2026
    Days on Market:
    11
    Last Refresh:
    May 20 at 2:58 am

    Property Features for 18 Diamond St

    General Information

    Standard status
    Active
    Size
    2,200 SF
    Property subtype
    Investment

    Building Details

    Year Built
    1900

    We can help!

    Listing Contact
    Tamithy Howrigan

    Listing agent Tamithy Howrigan License #82.0133283

    Listing office

    Listing date May 20, 2026

    Source Elliman

    Displayed information is deemed reliable but is not guaranteed and should be independently verified.

    All listing content including descriptions, pricing, images are the copyrighted material of Tamithy Howrigan

    HighLights

    • Prime location in St. Albans City, close to downtown shops, restaurants, schools, and amenities.
    • Duplex with strong multi‑family potential for investors or owner‑occupants.
    • Separate utilities for each unit.
    • Detached two‑car garage built in 2018.
    • Spacious units with over 2,200 finished square feet, hardwood floors, and natural light.
    • Updated bathroom in one unit (completed in 2022).

    Overview

    This well-maintained duplex is located in the heart of St. Albans City, offering an opportunity for investors or owner-occupants. The property is situated close to downtown shops, restaurants, schools, and local amenities. It features separate utilities, a paved driveway, a landscaped lot, and a detached two-car garage built in 2018. The duplex provides over 2,200 finished square feet. One unit includes three bedrooms, hardwood floors, spacious living areas, and an updated bathroom completed in 2022. The second unit features two bedrooms, a full bath, hardwood flooring, a spacious kitchen, and laundry space off the kitchen. Additional features include vinyl windows, durable metal roofing, natural gas heat, and public water and sewer. The property has strong multi-family potential in a convenient city location.
    Location Intelligence

    Current Use by Public Records

    Duplexes

    Suggested Use

    Real Estate Agency Law Firm Restaurant Spa & Massage Center Dental Office Hair Salon Nail Salon Building Supply Gym & Fitness Center Daycare Center

    Zoning and permitted uses should be independently verified with local authorities.

    Location Insight

    • Map
    • Local Demand
    City
    St Albans
    County
    Franklin
    State
    Vermont
    Longitude
    -73.0842217
    Latitude
    44.8048046

    Nearby Similar for Sale

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    • $349,900

      Renovated Duplex Near Downtown St. Albans

      Well-maintained duplex with long-term tenants, near downtown amenities.
      8 South Elm St, St. Albans, VT 05478
      View Details
    • $615,000
      2,796 SF

      St. Albans Four-Unit Property

      Well-maintained four-unit property in St. Albans City.
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      View Details

    FAQs

    What type of property is this?
    Duplex - Well-maintained duplex near downtown St. Albans with separate utilities.
    Where is this duplex located?
    The property is located at 18 Diamond St St Albans, VT.
    What is the asking price?
    The asking price for this property is $385,000.
    What are key features of this property?
    This property features: Prime location in St. Albans City, close to downtown shops, restaurants, schools, and amenities.; Duplex with strong multi‑family potential for investors or owner‑occupants.; Separate utilities for each unit.
    (802) 309-3903
    We can help!
    Listing Contact
    Tamithy Howrigan
    Real Estate License ID: 82.0133283
    Learn More
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

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