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Set gently on a corner homesite beneath swaying palms in the beloved Ocean Neighbors community, this charming James Island residence captures the easy rhythm of Lowcountry living. Just minutes from the historic streets of downtown Charleston and the sandy shores of Folly Beach, this thoughtfully updated 3-bedroom, 2. 5-bath home offers both timeless character and modern comfort. Inside, rich hardwood floors extend seamlessly across both levels, lending warmth and continuity to every space. The living room welcomes you with its vaulted ceiling and gas fireplace, where natural light pours in and draws you toward the heart of the home. The wide galley kitchen is both refined and functional, featuring solid surface countertops, stainless steel appliances, and generous cabinetry, all complemented by a sunlit dining nook adorned with classic wainscoting and chair rail detail. The primary suite offers a quiet retreat, complete with a double tray ceiling, ample closet space, and a well-appointed bath with dual vanities, a soaking tub, and a separate shower. Two additional bedrooms, each thoughtfully designed with crown molding and ceiling fans, provide comfort and privacy for family or guests. Out back, a screened porch invites slow mornings and relaxed evenings, overlooking a lush, fenced yard framed by newly planted palms. Just beyond, a patio offers the perfect setting for gathering under the stars. Elevated on a crawl space and paired with a two-car garage, the home provides abundant storage for beach days and everyday living alike.
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Our Executive Mortgage Banker:
Our Insurance Division:
$685,000
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 | $548,000 | $548,000 | $548,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.933% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,286 | $3,419 | $4,551 |
| Total Monthly Payment | $3,378 | $3,511 | $4,643 |
* 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.