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Come see this beautifully updated 1935 cottage nestled among mature trees on a desirable quarter acre lot on Folly Beach. This charming home features three bedrooms and two full bathrooms, seamlessly blending modern upgrades with preserved historic character. Original architectural details shine throughout, including glass transoms, tongue and groove wood ceilings, and detailed moldings. The open floor plan showcases finished in place hardwood floors and an updated kitchen complete with quartz countertops and a stainless appliance package featuring a gas range, microwave, refrigerator, and dishwasher. Offering a true turnkey opportunity, the home comes fully furnished from the furniture down to the silverware. The outdoor living spaces are just as impressive, boasting a spacious front dec, two side decks, and a two-story rear deck. The property also includes a detached oversized one car garage and a separate detached building previously utilized as a small workshop. Practical updates offer peace of mind, including a new septic system approved and installed in 2025. Situated high on a hill, the property spans the X, X/2 percent, and AE flood zones, keeping flood insurance highly affordable with a current policy of just $852 per year. Please contact your agent to access the uploaded MLS documents, including the property disclosure, measurements, floor plans, and the personal property addendum. Do not miss the chance to see this rare blend of 1935 character and modern coastal living, schedule your private tour today.
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Our Executive Mortgage Banker:
$1,300,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,040,000 | $1,040,000 | $1,040,000 |
| 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% | 6.235% | 6.223% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $6,152 | $6,319 | $8,776 |
| Total Monthly Payment | $6,277 | $6,444 | $8,901 |
* 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.