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NO HOA • BACK ON MARKET + PRICE IMPROVEMENT • USDA ELIGIBLE BACK ON THE MARKET AT NO FAULT OF THE SELLER — giving buyers a second opportunity to own this beautifully maintained Southern brick ranch, now offered at an improved price! Located in an award-winning school district and just one block from Woodruff High School, this charming home is nestled in a well-established neighborhood full of timeless appeal. From the inviting rocking-chair front porch to the character-filled interior, this home offers warmth and functionality throughout. Inside, you’ll find original refinished hardwood floors, a spacious living room featuring a gas log fireplace with custom wood surround, two generously sized secondary bedrooms, and a primary suite complete with a private half bath. A bright central flex space provides endless possibilities as a formal dining room, second living area, office, or entertainment space. The kitchen is filled with abundant solid wood cabinetry, ample prep space, and a cozy eat-in breakfast area. Just off the carport, the heated and cooled laundry room offers additional storage along with a utility sink for added convenience. Step outside and enjoy your own peaceful retreat with mature shade trees, a small creek, and a charming bridge tucked along the rear of the property—creating a private backyard setting rarely found in town. The detached two-story, two-car garage offers incredible versatility with plenty of room for storage, a workshop, hobbies, or future expansion opportunities upstairs. Major updates include a new HVAC system, remodeled main bathroom, and refinished hardwood floors, making this home truly move-in ready while still preserving its classic charm and character. Conveniently located with NO HOA and USDA eligibility offering potential 100% financing for qualified buyers, this property combines comfort, convenience, and value all in one. Schedule your private showing today!
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Our Executive Mortgage Banker:
$253,000
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 | $202,400 | $202,400 | $202,400 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.730% |
| Monthly Tax Payment | $525 | $525 | $525 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,212 | $1,263 | $1,653 |
| Total Monthly Payment | $1,812 | $1,863 | $2,253 |
* 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.