91 Smith Street, Charleston, SC, 29401 | $2,075,000

Located in the heart of Charleston's coveted Harleston Village, this thoughtfully renovated residence offers a rare combination of scale, functionality, and walkable downtown living--complete with the added convenience of two off-street parking spaces. Spanning approximately 2, 440 square feet, the home features five bedrooms and three and a half bathrooms, with exceptionally generous living spaces designed to accommodate both everyday living and entertaining. A full studs-out renovation completed in 2017 seamlessly blends modern updates with the character and charm expected of a historic Charleston property. The interior is anchored by an open-concept kitchen and living space, complemented by wood flooring throughout and a layout that offers both flow and flexibility. The primary suite is well-appointed with dual vanities, while multiple additional bedrooms provide ample space for guests, work-from-home needs, or rental versatility. The home's scale and configuration also present the opportunity to further enhance or reimagine the primary suite, allowing future owners to create a more expansive, private retreat tailored to their lifestyle. Outdoor living is equally compelling, with three distinct porch spaces--including a large front porch and a second-floor screened porch--alongside a private, fenced backyard with a covered patio designed for entertaining or quiet retreat. A metal roof (2017) adds long-term durability and peace of mind. Positioned just approximately two blocks from both MUSC and the College of Charleston, the home offers immediate access to King Street's premier shopping and dining, as well as nearby Marion Square, known for its green space, farmers market, and year-round events--placing some of the city's best amenities just moments away. Currently operating as an income-producing property with established rental history, this offering presents a compelling opportunity for investors and owner-occupants alike seeking a well-located, high-performing asset in one of Charleston's most desirable neighborhoods.

Features

  • Bedrooms: 5
  • Baths: 3 full / 1 half
  • Laundry: Laundry Room
  • Style: Charleston Single
  • Development: 51 - Peninsula Charleston Inside of Crosstown
  • Year Built: 1817
  • Heating: Forced Air
  • Cooling: Central Air
  • Approx Sq. Feet: 2,440
  • Acreage: 0.08
  • Lot Desc: 0 - .5 Acre
  • Elem. School: Memminger
  • Middle School: Simmons Pinckney
  • High School: Burke
  • MLS#: 26010606
  • Days on Market: 17 days
  • Website: https://www.raveis.com
    /eprop/26010606/91smithstreet_charleston_sc?source=qrflyer
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Listing courtesy of EXP REALTY LLC

William Raveis Family of Services

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
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Yokadi Mejia, William Raveis Insurance

561.335.7966

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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

91 Smith Street, Charleston, SC, 29401

$2,075,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,660,000 $1,660,000 $1,660,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.259% 6.183%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $9,820 $10,086 $14,008
Total Monthly Payment $9,945 $10,211 $14,133

* 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.