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Located within Harbor Woods on James Island, this classic brick ranch offers the quiet comfort of home tucked away on a cul-de-sac on approximately half an acre. Zoned for award-winning Stiles Point Elementary, the property is set within an established neighborhood known for its wide streets, sidewalks, and the added benefit of no HOA. Enjoy convenient access to Lawton Bluff, the Harbor View shopping center, the James Island Recreation Complex, and Stiles Point Plantation, all while being just about 7 miles from both Folly Beach and King Street in downtown Charleston. A full front porch welcomes you home. Inside, the property has been lovingly maintained and features gleaming oak hardwood floors along with much of its original character and finishes. The traditional floor planincludes a front sitting room, formal dining room, kitchen, and a comfortable living area. Just off the kitchen, a large screened porch provides excellent additional outdoor living space. The large primary bedroom offers double closets and on suite full bathroom. The backyard includes a brick patio, privacy fence, and an additional outbuilding with storage potential. The attached two-car garage contains a generous enclosed space providing more functionality and storage. Offered at an attractive price point, this property presents an excellent opportunity for a new owner to enjoy its charm as-is or make updates over time to suit their own style. Come see the potential of this James Island opportunity before it is gone.
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Our Executive Mortgage Banker:
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$615,000
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 | $492,000 | $492,000 | $492,000 |
| 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 | $3,029 | $3,107 | $4,086 |
| Total Monthly Payment | $3,121 | $3,199 | $4,178 |
* 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.