4302 Cotton Flat Road, Summerville, SC, 29485 | $489,000

Step inside and feel instantly at home. Just off the entry, a private home office sits to the right, ideal for remote work or quiet study. A welcoming hallway leads into the heart of the home where an open-concept gourmet kitchen with gas appliances flows seamlessly into the great room, perfect for everyday living and entertaining. The great room impresses with soaring 20-foot ceilings, dramatic accent windows that flood the space with natural light, and a striking fireplace. An interior second-floor balcony overlooks the great room, adding architectural interest and enhancing the open, airy feel. The first-floor primary suite offers comfort and convenience, while an extended covered patio overlooks a private wooded lot. The second floor continues the home's thoughtful and flexible design, offering spaces that adapt easily to family living, guests, or multi-generational needs. One secondary bedroom features a private en-suite bathroom, creating an ideal guest suite or private retreat for older children. Two additional bedrooms are generously sized and share a well-appointed hallway bathroom with dual vanities, providing both comfort and functionality. An open loft serves as a central gathering or flex space and is accented by upgraded oak railings that overlook the great room below. From this vantage point, the dramatic 20-foot ceilings, fireplace, and accent windows can be fully appreciated, reinforcing the home's sense of openness and architectural depth. The loft creates a visual and physical connection between levels, allowing natural light to move freely throughout the home while maintaining distinct living areas. The layout offers excellent separation of space, with the primary suite conveniently located on the first floor and secondary living areas upstairs. This design supports privacy without sacrificing flow or cohesion. Whether used as a reading nook, play area, home gym, or media space, the loft adds versatility and enhances everyday living. Outside, the extended covered patio provides a seamless extension of the interior living space. Overlooking a private wooded lot, it offers a tranquil setting for morning coffee, evening gatherings, or weekend entertaining. The natural surroundings create a peaceful backdrop that enhances both privacy and connection to nature. Every element of this home has been carefully considered, from the open-concept living areas and dramatic ceiling heights to the balanced bedroom layout and outdoor living space. Set within the Watson Hill community, this residence offers a blend of refined design, functional living, and Lowcountry serenity that is increasingly rare to find. ASK ABOUT CONCESSIONS!!

Features

  • Amenities: Dog Park, Park, Pool, Trash, Walk/Jog Trails
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Laundry Room
  • Style: Traditional
  • Development: 62 - Summerville/Ladson/Ravenel to Hwy 165
  • Year Built: 2024
  • Garage: 2-car
  • Heating: Natural Gas
  • Approx Sq. Feet: 3,334
  • Acreage: 0.15
  • Lot Desc: 0 - .5 Acre, Wooded
  • Elem. School: Beech Hill
  • Middle School: East Edisto
  • High School: Ashley Ridge
  • MLS#: 26002076
  • Days on Market: 115 days
  • Website: https://www.raveis.com
    /prop/26002076/4302cottonflatroad_summerville_sc?source=qrflyer
Copyright © 2026  Charleston Trident MLS
Information deemed reliable but not guaranteed. Information is provided for consumers' personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase.
Listing courtesy of Realty One Group Coastal

William Raveis Family of Services

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.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

4302 Cotton Flat Road, Summerville, SC, 29485

$489,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $391,200 $391,200 $391,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.500% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.375% 6.638% 5.972%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,409 $2,473 $3,249
Total Monthly Payment $2,484 $2,548 $3,324

* 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.