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Welcome Home to Hidden Charm in Oakfield! Tucked away on a quiet cul-de-sac and backed by protected wetlands, this stunning 5-bedroom, 3-bath home offers the peace and privacy you crave--with all the perks of one of Johns Island's most beloved neighborhoods. And here's the exciting part: it comes with a 3. 25% assumable loan--yes, really! This is your chance to secure an amazing rate and a truly exceptional home. Built in 2021, this home feels practically brand new and was thoughtfully designed with everyday comfort and effortless entertaining in mind. From the moment you step inside, you're greeted with airy, open spaces, gorgeous whitewashed Pergo floors, and modern touches throughout. The heart of the home is the dreamy chef's kitchenfeaturing an oversized granite island, top-tier LG appliances, and plenty of space for cooking, gathering, and making memories. It flows seamlessly into the spacious family room with a cozy gas fireplace and continues into the sun-drenched sunroom that overlooks your peaceful, wooded backyard. Downstairs, you'll find a private guest bedroom and full bathperfect for visitors or multi-gen living. Upstairs offers flexibility galore with 4 additional bedrooms, a versatile loft/flex space (ideal for a home gym, playroom, or creative studio), and a stylishly upgraded laundry room complete with added storage cabinetry. Out back, the fenced-in yard is your own private retreatfeaturing a custom playset with two slides and swings for hours of fun. Whether you're sipping coffee on the patio or hosting friends for a summer barbecue, you'll fall in love with the setting. But the perks don't stop at your front doorOakfield is known for its incredible community vibe and amenities! Enjoy miles of walking trails, a sparkling zero-entry pool, playgrounds, a putting green, a zip line, and so much more. Plus, you're just minutes from downtown Charleston, Folly Beach, and all the charm Johns Island has to offer. This home is the full packagestyle, space, community, and an unbeatable interest rate. Don't waithomes like this are rare! Call today to schedule your tour and let's turn your Lowcountry dream into a reality.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $551,200 | $551,200 | $551,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.083% | 7.063% | 6.152% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,484 | $3,621 | $4,614 |
Total Monthly Payment | $3,576 | $3,713 | $4,706 |
* 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.