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Welcome to 968 Cummings Circle in the highly desirable Cooper Estates next to Shem Creek! This beautiful home has been meticulously maintained and sits on a . 49 acre fenced lot with mature landscaping and serene gardens. The in ground pool has an outdoor hot/cold shower. The oversized screened porch and deck overlooking the pool are the perfect places to enjoy your morning coffee and meals. This home offers an open floor plan with 4 bedrooms, 2. 5 bathrooms. The large finished room over the garage (FROG) is used as a bedroom. Downstairs living areas offer plenty of sunlight and include a living room, an office/study (or dining room), a half bath, and a family room with a cozy wood burning fireplace connected to the open kitchen and eat in dining area. Downstairs laundry/mudroom is next to to the oversized 2 Car Garage with room for a golf cart. The expansive yard offers room to potentially extend the home if desired and store your boats. On the second level you will find four bright bedrooms with generous closet space and two full baths. The primary bedroom has an ensuite bathroom and walk in closet. The large versatile finished room over the garage (FROG) can be used as a bedroom, office, playroom, exercise room, arts & crafts room and has plenty of storage. The FROG has it's own access with separate staircase from the laundry/mudroom. Could potentially add bathroom to the FROG. Cooper Estates is located next to Shem Creek in South Mount Pleasant. Cooper Estates residents can enjoy the gated, private neighborhood dock and boat ramp facilities that also include a fire pit, grill station, covered pavilion, fish cleaning station, play park area by joining the Cooper Estates Civic Club. Walk, bike, golf cart, boat or kayak to Shem Creek restaurants and the Old Village and Charleston Harbor. Close proximity to Isle of Palms & Sullivan's Island beaches and Downtown Charleston. Home is in Flood Zone X per the tax records. This charming, move in ready home with flexible spaces on an expansive stunning property is one of a kind for every day living and entertaining! Inside this private oasis with a boat launch/dock nearby, you will feel like you are always on vacation. Schedule your showing today!
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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 | $1,280,000 | $1,280,000 | $1,280,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.625% | 6.500% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.861% | 6.751% | 6.666% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $125 | $125 | $125 |
Initial Principal & Interest Pmt | $7,777 | $8,196 | $11,150 |
Total Monthly Payment | $7,902 | $8,321 | $11,275 |
* 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.