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Built in 2023 and meticulously maintained, this five-bedroom, three-bath home sits within the sought-after, gated Sea Island Preserve community on Johns Island--ideally near James Island and with access to historic downtown Charleston. Set over a third of an acre, the property blends timeless Lowcountry charm with contemporary finishes, including luxury plank flooring, custom millwork, and chic selections. A welcoming foyer leads to a private home office with integrated storage. The open-concept kitchen is a chef's delight, featuring quartz countertops, stainless steel appliances, a spacious walk-in pantry, and an oversized island that flows seamlessly into the dining area and living room with a cozy gas fireplace. A private guest suite with a full bath on the main level offers the ideal retreat for visitors. Upstairs, a versatile loft provides ample space for a media room, playroom, or second office. The generous primary suite boasts dual vanities, a walk-in shower, and an expansive closet. Three additional bedrooms, a full bath, and a convenient laundry room complete the second floorwasher and dryer to convey with the sale. Outdoor living is easy with a screened porch, patio, and large backyardperfect for hosting a large party or enjoying quiet evenings outdoors. Residents enjoy a vibrant lifestyle with access to a clubhouse, pool, playground, putting green, pickleball courts, and a scenic trail system that winds through the community and connects directly to the amenities. High-speed internet and cable are included in the HOA, adding value and convenience. With proximity to Kiawah Beachwalker Park, St. Johns Yacht Harbor, and the shops and restaurants of Maybank Highway, this move-in-ready home offers the perfect blend of comfort, style, and location.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $514,000 | $514,000 | $514,000 |
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 | $3,249 | $3,377 | $4,303 |
Total Monthly Payment | $3,341 | $3,469 | $4,395 |
* 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.