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***Ask about the possibility of receiving 1% reduction in interest rate and free refi. ***Situated on nearly a quarter acre in highly sought after James Island, this charming single story home offers the perfect blend of comfort, functionality, updates, unbeatable location, and no HOA. From the moment you arrive, the inviting curb appeal stands out with a towering shady tree and a welcoming presence that feels like home. Step inside to discover a bright and airy interior featuring soaring vaulted ceilings, beautiful flooring, and an abundance of natural light. The living room is a cozy yet stylish space centered around a striking fireplace with a brick surround, perfect for relaxing or entertaining. The dining area flows seamlessly and provides direct access to the patio and backyard, while the galley style kitchen is both practical and inviting with abundant white cabinetry, stainless steel appliances, and plenty of room for cooking and gathering. Just off the kitchen, a convenient laundry area leads to a versatile bonus space with backyard access, ideal for a family room, home office, or flex space to suit your needs. The primary suite offers a peaceful retreat with two closets and an updated private en suite bathroom featuring a step in shower. Two additional bedrooms and a full updated bathroom provide comfortable accommodations for family or guests. This home also features a half garage space ideal for storing surfboards, bikes, kayaks, and more. Out back, enjoy a roomy, double-gated fenced yard designed for relaxation and outdoor living, complete with a patio, storage shed, and mature shady trees that create a serene setting. This backyard is spacious enough to accommodate RV or boat storage, and could even potentially support adding a pool or hot tub. * The location is what truly makes this home stand out. Situated on James Island, it offers the very best of Lowcountry living with unbeatable convenience. Enjoy a bike ride or stroll along the nearby path leading to James Island County Park, just over a mile away. Within a 1. 5-mile radius, you'll have easy access to a variety of shopping, dining, grocery stores, and fitness centers. Plus, you're less than five miles from downtown Charleston and under six miles from the shores of Folly Beach. This is an incredible opportunity you do not want to miss. Schedule your showing today. *Information regarding the potential addition of a pool and/or hot tub has not been verified by the seller or listing agent. Buyers and their agents are responsible for conducting their own due diligence to determine feasibility, including but not limited to zoning, permitting, and site conditions. Any such improvements are subject to approval by all applicable governing authorities and regulatory bodies. Some images have been virtually enhanced.
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Our Executive Mortgage Banker:
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$540,000
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 | $432,000 | $432,000 | $432,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,660 | $2,728 | $3,587 |
| Total Monthly Payment | $2,752 | $2,820 | $3,679 |
* 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.