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351 River Road in Westminster could be a private Hartwell Lake hideaway, an income-producing vacation rental, or both! Four bedrooms and four bathrooms allow for people to spread out inside the +/-4400 sq ft of this home. A large great room overlooks the lake and shares a double-sided fireplace with the kitchen. Plenty of cabinetry, two pantries, and a long bar make this a great place to entertain guests while you prepare food and drinks. The adjoining sunroom/dining room has space for a long table and big windows on two sides to see both the lake and the greenery. Beyond the dining room is another room with a fireplace, full bathroom, and additional small bar-style kitchen. This room currently holds a pool table and is used as a game room, but it could certainly be used for other purposes. Beyond that is a door to a screened-in porch and to the back yard. The laundry room and storage room have a dog door that leads out to a handy fenced area for the doggies. Access to a heated and cooled basement workshop area is also through the back yard and dog fence area. If you don’t need a workshop, use it as a gym, game room, or a movie room. The top level of the house has three bedrooms and two bathrooms. The primary bedroom has Lake Hartwell views from one window and Blue Ridge Mountain views from the other! The main level has decks on two sides of the home. The basement level contains a newly added bedroom and adjoining full bathroom. A two-door garage is also on the basement level. The yard has many mature trees, bushes and shrubs which will certainly surprise you throughout your first year of ownership. A platform dock is in place. A new retaining wall was built. Some of the real estate photos show Lake Hartwell when it is at full pond. Currently, the lake looks like the salt marshes and swamps of the South Carolina Low Country. This home has been cherished by its current owners. They do have some vacation rental history for the home, however they did not focus on building that business because they enjoyed coming to stay at their home when it was vacant. Start the rest of 2026 at your new Lake Hartwell home!
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
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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 | $647,920 | $647,920 | $647,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.000% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.218% | 6.133% | 6.183% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,833 | $3,885 | $5,468 |
| Total Monthly Payment | $3,925 | $3,977 | $5,560 |
* 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.