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***Ask about the possibility of receiving 1% reduction in interest rate and free refi. *** Situated on a spacious lot on James Island, this charming home offers an inviting blend of comfort and versatility, including a detached guest suite with its own kitchenette and full bathroom. The main home even includes 377 additional square feet not included in the total square footage. As you arrive, the mature trees create a picturesque setting and leads you to a home full of warmth and character. Step inside to discover a bright and welcoming interior featuring wood flooring, crown molding, and an abundance of natural light. To the right of the entryway, the formal living room boasts a lovely bay window and a built-in desk, perfect for work or relaxation. The cozy family room is highlighted by a fireplace with a classic brick surround and offers direct access to the sunroom and the expansive fenced-in backyard. The eat-in kitchen is beautifully appointed with granite countertops, stylish cabinetry, a stone tile backsplash, and sleek appliances, creating a functional and attractive space for cooking and gathering. The primary bedroom serves as a peaceful retreat with its en suite bath and a spacious step-in shower. Two additional bedrooms provide ample space, and a cozy bonus room adds flexibility for a playroom, office, or additional living space. The sunroom offers a serene spot to enjoy the outdoors while overlooking the yard. The detached guest suite is a wonderful addition, providing a private and comfortable space complete with a kitchenette, a full bathroom, and a charming porch with a pergola. The fully fenced yard offers both privacy and convenience, with a gate large enough for vehicles to access the backyard. Step outside to an expansive outdoor oasis featuring two fantastic patiosideal for entertaining guests or simply unwinding in the fresh air. A standout feature of the backyard is the spacious 10 x 20 storage shed, equipped with electricity. In the past two years, it has been upgraded with framed plywood flooring, rafters, a brand-new roof, and five added windows, enhancing both functionality and natural light. Whether you need extra storage, a dedicated woodworking space, a workshop, or even a potential cozy retreat with the addition of a mini-split or wall A/C unit, this versatile structure offers endless possibilities. Ideally located just 3. 3 miles from Folly Road, 5. 6 miles from downtown Charleston, 4. 6 miles from James Island County Park, and 8. 1 miles from Folly Beach, this home offers both convenience and a peaceful retreat. Don't miss the chance to make it your own. *377 sq ft of additional space include 190. 9 sq ft for the bonus room and 186. 3 for the sunroom.
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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
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $496,000 | $496,000 | $496,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.007% | 7.063% | 6.132% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,094 | $3,258 | $4,152 |
Total Monthly Payment | $3,186 | $3,350 | $4,244 |
* 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.