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If you’ve been searching for a true “memory-maker” on the lake—but thought a waterfront property under $1M was out of reach—this is your opportunity! Welcome to 110 Snug Harbor Rd—a charming lakeside cottage tucked away in Seneca, SC. Built in 1996 and thoughtfully designed to maximize every inch, this 3-bedroom, 2-bath home offers just over 1, 600 square feet of comfortable, functional living space on a gently sloped 0. 57-acre lot with easy access to the water. From the moment you arrive, you’ll appreciate the inviting setting—lush landscaping, a spacious front yard, and a scenic driveway leading you toward the house and the lake. A stone-paved walkway guides you down to the lake, where you’ll find your private covered dock with a boat lift, electrical access, a fire pit area, and your own beach—perfect for long summer days and quiet evenings by the water. Inside, this home offers a warm and practical layout. The main level features a bedroom and full bath, along with a convenient side entry door through the utility room—complete with a washer, dryer, and utility sink—ideal for quick transitions in and out from the lake. Upstairs, you’ll find two additional bedrooms and another full bath. The living room provides a comfortable gathering space with natural light, flowing into the dining area and kitchen. The kitchen offers ample cabinetry, durable countertops, and direct access to the porch—making indoor-outdoor living easy. Hardwood floors, along with carpet and vinyl, run throughout the home, while abundant windows bring in natural light from every angle. Step outside through the French doors to a shaded back porch where you can relax, set up your outdoor dining furniture, or unwind in rocking chairs while taking in the view. There is also a covered porch swing where you can sit back, relax, and enjoy the lake—appreciating your investment in such a dream property. The walkout basement provides access inside the home through a set of inside stairs and offers excellent storage space for lake toys, additional refrigerators / freezers, or could easily serve as a workshop or bonus space. There’s even a covered grilling area that allows you to grill out, rain or shine, and enter the home directly through the basement door. Located in a quiet cove just 15 minutes from Clemson University, this property offers not only a personal retreat but also a strong investment opportunity. Short-term rentals are allowed, and with no HOA or transfer fees, you have the flexibility to enjoy the home yourself or offset expenses (including your mortgage) with rental income throughout the year. Whether you’re looking for a weekend escape, a full-time lake lifestyle, or an income-producing property—this one checks all the boxes. Don’t miss your chance to own this waterfront property—schedule your showing today!
| Type | Dimensions | Level |
|---|---|---|
| Bedroom2 | 13x11 | Main |
| Bedroom3 | 15x10 | Main |
| DiningRoom | 10x10 | Main |
| Kitchen | 10x14 | Main |
| Laundry | 5x10 | Main |
| LivingRoom | 18x14 | Main |
| PrimaryBedroom | 13x13 | Upper |
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Our Executive Mortgage Banker:
$529,900
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Phone: 888.699.8876
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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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $423,920 | $423,920 | $423,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.776% | 6.078% |
| Monthly Tax Payment | $185 | $185 | $185 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,610 | $2,714 | $3,549 |
| Total Monthly Payment | $2,887 | $2,991 | $3,826 |
* 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.