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Welcome to Shady Oaks, one of Summerville's most sought-after townhome communities. Just minutes from downtown Summerville and major commuter routes--and only 30 minutes from downtown Charleston--this location perfectly blends convenience with the laid-back Lowcountry lifestyle. Whether you enjoy outdoor recreation, charming local shops, or a variety of dining options, you'll find it here. Step inside this 4-bedroom, 3-bath townhome, built in 2020, and discover a bright, inviting two-story layout filled with thoughtful touches. The main living area features smooth ceilings, thermal windows and doors, and an open living/dining combo that flows seamlessly into the eat-in kitchen. The kitchen offers a functional layout with a center island, pantry, and plenty of space for both everyday meals and entertaining. On the first floor, you'll also find a versatile flex spaceideal for a home office or guest suiteconveniently located next to a full bath. Upstairs, three additional bedrooms include the spacious primary suite with walk-in closets and private balcony access. Outside, enjoy morning coffee on the front porch, unwind on the back patio, and take advantage of off-street parking. The exterior features durable vinyl siding, fiberglass shingles, and a slab foundation for low-maintenance livingplus five more years remain on the builder's structural warranty. 143 Spencer Circle offers the perfect combination of modern convenience, flexible spaces, and a prime Summerville locationmaking it an excellent choice to call home.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
$278,900
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 | $223,120 | $223,120 | $223,120 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.313% | 6.487% | 5.614% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,320 | $1,392 | $1,808 |
| Total Monthly Payment | $1,395 | $1,467 | $1,883 |
* 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.