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Charming James Island Cottage on a large lot with timeless character and endless potential. Affordable Charleston living in this 2-bedroom, 2-bath home with an additional flex room perfect for a home office or guest space. Tucked away on a quiet street in the desirable Woodland Shores area, this property combines vintage charm with unbeatable location, just minutes to downtown Charleston, Folly Beach, and James Island's favorite local restaurants, including The Pour House, The James, Terrace Theatre, Miller's All Day and the Sunday Brunch Farmers' Market. Inside, you'll find beautiful hardwood floors, arched doorways, and abundant natural light throughout. The spacious living and dining areas create an inviting flow, while the kitchen overlooks the large, private backyard--is ideal for outdoor entertaining or quiet evenings. The back patio offers even more space to relax and enjoy the peaceful setting. This property sits on an expansive lot with privacy rarely found this close to town. A recent drainage report outlines recommended improvements, and the price reflects the opportunity to update and add value. As part of the Central Park Basin project, a new park and retention pond is being built at the end of Howle Avenue, to be completed in 2026. Howle Avenue Park will provide space for the community to enjoy as well as a basin to help with some of the water retention on the street, including this house. Home sold as-is, this home is ready for its next chapter, whether you're looking to renovate, invest, or make it your own Charleston retreat. Great bones and excellent location. Easy to show and full of potential in one of James Island's most sought-after neighborhoods.
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$495,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $396,000 | $396,000 | $396,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.209% | 6.168% | 5.541% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,248 | $2,372 | $3,183 |
| Total Monthly Payment | $2,323 | $2,447 | $3,258 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.