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Perfectly positioned on James Island, this unique property offers the best of both worlds--just 10 minutes to downtown Charleston and 10 minutes to the beach, yet with the privacy and flexibility of no HOA. Situated on a spacious 0. 42-acre fully fenced lot, the property is designed for both everyday living and outdoor enjoyment. Double gates on both sides provide easy access for boat or camper parking, complete with electrical and sewer connections. Enjoy the Lowcountry lifestyle with an outdoor shower, a charming chicken coop, and existing stilts for bee boxes for those looking to create their own backyard homestead. Energy efficiency is a standout feature, with fully paid-off solar panels keeping average utility costs around just $30/mo. The backyard is a true highlight, featuring. . . a variety of fruit trees including elderberry, crab apple, grapefruit, pomegranate, banana, and citrus--offering beauty, shade, and seasonal harvests. Inside, the home has been beautifully updated with new hardwood floors, freshly painted, new light fixtures, new roof in 2018, and new HVAC in 2020. The floorplan offers an open and airy layout with 3 bedrooms and 2 bathrooms, enhanced by solar-powered skylights in the living room that flood the space with natural light. If you're looking for space, flexibility, and a property that blends convenience with a more relaxed, self-sufficient lifestyle--this James Island home is a rare find!
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Our Executive Mortgage Banker:
Our Insurance Division:
$599,000
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 |
|
|---|---|---|---|
| Loan Amount | $479,200 | $479,200 | $479,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.395% | 6.557% | 5.990% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,873 | $2,990 | $3,947 |
| Total Monthly Payment | $2,965 | $3,082 | $4,039 |
* 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.