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Lakefront on James Island, under 4 miles from downtown. Yes, really. Some houses have a nice yard. This one has a front-row seat on Lake Frances: ospreys diving out of the trees to snatch their dinner, egrets and blue herons standing statue-still in the shallows waiting for theirs, and on sunny evenings, huge mullet leaping out of the water like they're putting on a show. You'll watch all of it from your own private dock, coffee in hand. The house is an elevated four-bedroom, three-bath in Lawton Bluff, the kind of established James Island neighborhood where houses rarely change hands. The lake is brackish, fed by Charleston Harbor, and the fishing is legitimately good. When the evening's right, drop a boat in with an electric motor and take a sunset cruise toward the harbor. Inside, a vaulted family room opens through sliding glass doors to the deck and the water beyond. The updated kitchen anchors the main floor with a five-burner gas range, deep farmhouse sink, butcher-block counters, and a real pantry. The primary suite is on the main level too, with its own deck access and a bath built for lingering: walk-in shower, dual vanities, and a clawfoot tub looking out over the yard. Two more bedrooms and a full bath complete the first floor. Upstairs, a catwalk overlooking the family room leads to a bonus room, a third full bath, and a fourth bedroom: teenager wing, guest quarters, or the home office with the best view in the house. Take your pick. Out back: the dock, a fire pit, and a patio with pergola made for long dinners. The lot runs 0. 37 acres, generous and level, with room for a potential future garage. * Survey in hand for any buyer who wants to explore it. The Harbor View Elementary bus stops at the front door. The drive home follows the causeway, lake on one side, harbor on the other. Folly Beach is just over 8 miles away, and the grocery store (Harris Teeter) is just over a mile away. This is not one to miss. -One seller currently holds a South Carolina real estate license, and the other previously held one. *Adding a garage has not been verified and is not guaranteed. Any modifications/additions shall be at the purchaser's sole expense and is subject to lot suitability, permitting requirements, HOA approval, local regulations, and approval by all applicable governmental and regulatory authorities. *There is a $50 annual lake owner's fee that isn't required. *Some images have been digitally enhanced.
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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 | $879,200 | $879,200 | $879,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.275% | 6.223% | 6.183% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,131 | $5,342 | $7,419 |
| Total Monthly Payment | $5,256 | $5,467 | $7,544 |
* 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.