403 Sumter Street, Charleston, SC, 29403 | $1,495,000

Welcome to 403 Sumter Street, a beautifully renovated Charleston Single in the heart of Downtown Charleston's vibrant Westside neighborhood. Combining historic Charleston charm with modern convenience, this thoughtfully redesigned property offers approximately 1, 870 square feet in the main residence plus a detached 338-square-foot guest cottage, providing approximately 2, 208 square feet of total living space. Originally built in 1935 and extensively renovated down to the studs in 2021, this turnkey property features major system updates, including the roof, HVAC, water heaters, plumbing, electrical, and high-end interior finishes throughout. The main home offers a highly desirable and flexible floor plan with two potential primary suites - one on the main level and one upstairs - making it ideal for multigenerational living, guests, roommates, or evolving household needs. Each bedroom features its own ensuite bathroom and direct access to a private piazza, a signature Charleston architectural feature that adds both charm and functionality. The detached 338-square-foot cottage offers exceptional flexibility and value. Complete with its own full bathroom, kitchenette, and separate HVAC system, this space is perfect as a guest house, mother-in-law suite, private home office, long-term rental, or income-producing opportunity. Buyers interested in short-term rental (STR) potential should independently verify all requirements and regulations with the City of Charleston. Outside, enjoy a charming shared courtyard complete with café lighting, creating a warm and inviting space for entertaining or relaxing. The property also offers ample off-street parking for three or more vehicles - an uncommon and highly sought-after feature in Downtown Charleston. Ideally located just moments from Hampton Park, The Citadel, and Riverdog Stadium. You'll also enjoy easy access to some of Charleston's most beloved restaurants and coffee shops, including Leon's Oyster Shop, Melfi's, Huriyali, and The Daily. Upper King Street, MUSC, College of Charleston, shopping, dining, and entertainment are all just minutes away. Whether you're searching for a primary residence, multigenerational living arrangement, income-producing property, or downtown Charleston investment, 403 Sumter Street offers a rare combination of character, flexibility, location, and modern updates. Furnishings may be available with an acceptable offer, providing a potential turnkey opportunity for the next owner.

Features

  • Amenities: Bus Line, Park, Tennis Court(s), Trash, Walk/Jog Trails
  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Laundry: Electric Dryer Hookup, Washer Hookup, Laundry Room
  • Style: Charleston Single
  • Development: 52 - Peninsula Charleston Outside of Crosstown
  • Year Built: 1935
  • Heating: Central, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,208
  • Acreage: 0.08
  • Lot Desc: 0 - .5 Acre, High, Interior Lot
  • Elem. School: Mitchell
  • Middle School: Simmons Pinckney
  • High School: Burke
  • MLS#: 26016969
  • Days on Market: 18 days
  • Website: https://www.raveis.com
    /eprop/26016969/403sumterstreet_charleston_sc?source=qrflyer
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Information deemed reliable but not guaranteed. Information is provided for consumers' personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase.
Listing courtesy of The Boulevard Company

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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
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Our Insurance Division:

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403 Sumter Street, Charleston, SC, 29403

$1,495,000

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 $1,196,000 $1,196,000 $1,196,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.228% 6.086% 6.183%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,980 $7,171 $10,093
Total Monthly Payment $7,105 $7,296 $10,218

* 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.