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What gorgeous sunrises you will enjoy! Charming Downtown Georgetown is the place to be, especially across from the more than 13-acre East Bay Park and with picturesque Winyah Bay beyond. 104 East Bay Street, a well-maintained and consistently upgraded four-bedroom brick-faced cape, offers both charm and comfort, with a welcoming, classic layout. What gorgeous sunrises you will enjoy! Charming Downtown Georgetown is the place to be, especially across from the more than 13-acre East Bay Park and with picturesque Winyah Bay beyond. 104 East Bay Street, a well-maintained and consistently upgraded four-bedroom brick-faced cape, offers both charm and comfort, with a welcoming, classic layout. Entering in the front, you will first notice the abundance of light from this home's many windows. You will see the living room to your right and the sunroom/den to your left. A door on the far side of the sunroom opens to the delightful screened-in porch. From the living room you first enter the dining room with original built-in china cabinet, and then the updated kitchen with breakfast area. The kitchen features granite countertops, stainless steel appliances, gas stove, and plenty of storage. Also on the first floor are 2 bedrooms, new bathroom with walk-in shower, and laundry area. Crown moulding adds to the beauty of most of the first-floor rooms. Upstairs are 2 additional bedrooms, full bathroom, closet-lined hallway, and 3 walk-in attic spaces. You will find oak hardwood floors on both the first and second floors. This house boasts a tankless gas water heater (2023), and 2 recently-replaced HVAC systems (2020 and 2022). There are improvements from top to bottom including the 50-year roof (2020) and the professionally encapsulated crawl space with dehumidifier (2022). Included with the property is a detached garage/work space and storage room, with a 1-bedroom apartment above. Embrace the Lowcountry lifestyle at home on 104 East Bay, an easy walk to shops and restaurants, fascinating museums, the beautiful Harborwalk, and seasonal in-town festivities. And, if boating is your sport, the East Bay Public Boat Ramp is just 3 blocks away.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $607,440 | $607,440 | $607,440 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.995% | 7.037% | 6.046% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,790 | $3,990 | $5,044 |
Total Monthly Payment | $3,882 | $4,082 | $5,136 |
* 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.