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44 Dereef Court feels like a quiet secret tucked right into the heart of downtown Charleston. The neighborhood was developed in 2017, so everything feels fresh and thoughtfully designed, yet it still carries that classic Charleston character. It is one of those rare pockets where you are truly downtown, but the moment you turn in, the noise fades and everything feels calm, safe, and intentional. The neighborhood itself sets the tone. Two beautifully maintained parks anchor the community, with Dereef Park offering palm trees, open green space, oak trees for shade, and a small playground that makes it feel welcoming without ever feeling busy. The HOA quietly does a lot of heavy lifting here. Landscaping is consistently manicured, plantings are maintained, and the parks always look polished. It is one of those HOAs that adds value without getting in the way. What really sets 44 Dereef apart is its position within the neighborhood. The home sits at the very back of the community, completely removed from any through traffic. It feels private and tucked away, almost like a small retreat, even though you are only three blocks from King Street and three blocks from MUSC. That balance is incredibly hard to find downtown. Inside, the layout reinforces that sense of intention. The home has four bedrooms, including a true primary suite that occupies the entire top floor. That level is devoted entirely to the primary bedroom and bath, creating a spacious, peaceful retreat that feels separate from the rest of the home. On the first floor, there is a bedroom with its own bathroom, which functions perfectly as a private suite for guests or anyone who prefers main-level living. The heart of the home is the open kitchen and living area. It is designed for connection and hosting, and it shows. Between the open floor plan, ample on-street parking around the neighborhood, and a private driveway that fits two to three cars, entertaining here actually works, which is not always the case downtown. From a practical standpoint, the home checks boxes that matter in Charleston. The metal roof adds durability and peace of mind. The neighborhood infrastructure is modern and meets current drainage standards, so flooding is not an issue. Power reliability is excellent thanks to proximity to MUSC's electrical grid, which means outages are rare. Overall, 44 Dereef Court offers something truly uncommon. It delivers the real downtown Charleston experience with proximity, character, and energy, while quietly eliminating many of the usual compromises. It is private, well-maintained, thoughtfully designed, and positioned in a way that makes it feel like there is simply nothing else quite like it.
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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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,036,000 | $1,036,000 | $1,036,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.251% | 6.259% | 6.203% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $6,046 | $6,295 | $8,742 |
| Total Monthly Payment | $6,171 | $6,420 | $8,867 |
* 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.