122 Spencer Circle, Summerville, SC, 29485 | $285,000

Built in 2022, this beautifully maintained end-unit townhome offers modern finishes, low-maintenance living, extra natural light throughout, and a large backyard with a privacy fence. Step inside to a welcoming foyer that opens to an airy, open-concept layout connecting the dining area, kitchen, and spacious living room, perfect for entertaining or everyday living. The first floor features 9-foot ceilings and durable luxury vinyl plank flooring throughout the foyer, kitchen, dining area, and powder room. The kitchen is thoughtfully designed with granite countertops, 42'' cabinets with soft-close doors, and Samsung stainless steel appliances including a smooth-top range, microwave, and dishwasher. LED lighting throughout the home enhances the bright, contemporary feel. Upstairs, the ownsuite boasts vaulted ceilings, a walk-in closet, and a private bath with dual vanities. Enjoy outdoor living on the rear patio, complete with a convenient storage closet. Additional features include gas heat and a tankless gas water heater for energy efficiency and comfort. The HOA provides exceptional value, including 200 Mbps internet, landscaping maintenance, annual exterior pressure washing, pine straw refresh twice per year, and a termite bond. The neighborhood also features three scenic ponds and walking trails for residents to enjoy. Move-in ready and built for easy living--this end unit combines style, comfort, and convenience.

Features

  • Heating: Electric
  • Cooling: Central Air
  • Amenities: Lawn Maint Incl, Walk/Jog Trails
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Complex: Shady Oaks
  • Development: 62 - Summerville/Ladson/Ravenel to Hwy 165
  • Year Built: 2022
  • Approx Sq. Feet: 1,595
  • Acreage: 0.23
  • Lot Desc: Corner Lot
  • Elem. School: Flowertown
  • Middle School: Gregg
  • High School: Ashley Ridge
  • MLS#: 26004856
  • Days on Market: 68 days
  • Website: https://www.raveis.com
    /prop/26004856/122spencercircle_summerville_sc?source=qrflyer
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Listing courtesy of The Husted Team powered by Keller Williams

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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
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122 Spencer Circle, Summerville, SC, 29485

$285,000

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 $228,000 $228,000 $228,000
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 6.301% 6.487% 5.614%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,349 $1,422 $1,848
Total Monthly Payment $1,424 $1,497 $1,923

* 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.