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***Ask about the possibility of receiving 1% reduction in interest rate and free refi. ***With an unbeatable James Island location and set on over a quarter acre, this great home offers comfort, style, and an impressive list of thoughtful upgrades. From the outside, you'll appreciate the curb appeal created by the tall mature trees in the front yard, as well as the home's set-back position from the road, offering a peaceful feel. Head inside to find wood flooring, crown molding, and abundant natural light. The inviting living room flows seamlessly into the dining area and kitchen with a stylish backsplash and an updated gas range. Upstairs, the primary bedroom features an updated ceiling fan, two additional bedrooms, and a full bathroom, while the lower level offers a welcoming family room with backyard access, an additional bedroom, and a full bath with an updated sink. Step outside and soak in the coastal breeze from the backyard retreat, featuring mature trees, an expansive patio, partially updated fencing, and two versatile sheds, one ideal for storage and the other perfect for a hobby or woodworking space. Additional improvements include a new tankless water heater in 2024, a new HVAC system with added ductwork and second return installed in 2019, added screen doors, gutters installed in 2024, crawlspace encapsulation with dehumidifier and new insulation completed in 2025, spray foam insulation replacement, and added bathroom exhaust fans. Electrical and plumbing updates were also completed when the sellers moved in, and drainage improvements were added to direct water away from the home. Additionally, this home is currently in an X flood zone. This prime location places you one block from Dawn Patrol Coffeehouse, within one mile of Pinckney Park and Harbor View Shopping Center with Harris Teeter, Coastal Crust, Highfalutin Coffee Roasters, Odyssey Bottle Shop with daily food trucks, The Harlow and CVS, 1. 5 miles from May Forest State Park, DNR walking trails, the James Island Yacht Club, and incredible views of Charleston Harbor at Melton Peter Demetre Park, just 4. 5 miles from downtown Charleston, 5 miles from James Island County Park, and under 8 miles from Folly Beach. This property is also zoned for Stiles Point Elementary School, Camp Road Middle School, and James Island Charter High School. This James Island gem combines charm, functionality, and location in one fantastic package. Schedule your showing today. *Some images have been virtually enhanced.
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William Raveis Real Estate
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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
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $500,000 | $500,000 | $500,000 |
| 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 | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,079 | $3,202 | $4,186 |
| Total Monthly Payment | $3,171 | $3,294 | $4,278 |
* 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.