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Updated 4-bedroom, 2-bathroom split-level home on James Island. The main upper level of this 2, 115-square-foot home opens to an open-concept kitchen, living, and dining area with luxury vinyl plank flooring and recessed lighting. The kitchen includes white shaker cabinets, quartz countertops, quartz island, herringbone tile backsplash, a five-burner stainless gas range with center griddle, French-door refrigerator, dishwasher, and under-mount sink with a black pull-down faucet. The full bathroom features a double vanity with quartz counters, black fixtures, and a marble-look tiled tub and shower surround. A dedicated dining area, flex room, mudroom with shiplap wall and built-in bench, and a laundry room with front-load washer and dryer, gray cabinetry, and butcher-block counter complete the main level. The lower level functions as a self-contained living suite with an open living area with separate bedroom with double closets and a full bathroom with a tiled shower. A private exterior entrance under the attached carport connects to a covered concrete patio with a wood privacy wall. The lower-level also features a kitchenette with stainless electric range. The house can be set up as a single family home, or options to use the downstairs as a mother-in-law suite or separate apartment. The owner has even previously used downstairs as a short-term-rental. Outside, a wood-fenced backyard includes a concrete patio. The attached carport is partially enclosed for storage and the expansive poured concrete parking pad provides substantial off-street parking. Just a few houses down from Thomas Johnson Park, an 11-acre park with baseball field, playground and pickleball courts. Home is located under 10 minutes from Folly Beach and approximately 15 minutes to the downtown Charleston Peninsula. Zoned for Stiles Point Elementary, Camp Road Middle, and James Island Charter High School. No HOA.
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Our Executive Mortgage Banker:
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$674,900
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 |
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|---|---|---|---|
| Loan Amount | $539,920 | $539,920 | $539,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.638% | 5.972% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,234 | $3,413 | $4,484 |
| Total Monthly Payment | $3,326 | $3,505 | $4,576 |
* 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.