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Welcome to a rare opportunity to own a recently built custom home on close to 2 acres that combines comfort, functionality, and investment potential. Nestled on a quiet street in a neighborhood with no HOA on James Island, and just minutes from the charm of downtown Charleston and the relaxed coastal vibe of Folly Beach. Step inside this thoughtfully crafted 4-bedroom, 3-bathroom home to a bright and airy open floor plan, where natural light floods every corner, creating a warm and welcoming atmosphere. Expansive living and dining areas flow seamlessly into the chef's kitchen, which boasts stainless steel appliances, ample storage with leathered granite countertops, custom cabinetry, and a walk in pantry, perfect for creating memorable meals and gatherings. The primary suite is a privateretreat, complete with a luxurious ensuite bathroom and a generous walk-in closet with built-in drawers. A secondary bedroom also features its own ensuite bathroom, offering comfort and privacy for guests or family members. On the opposite side of the home, you'll find two additional bedrooms that share a full bathroom, creating a smart and functional floor plan ideal for both privacy and versatility. Step out onto the four-season screened porch from either the primary suite or the living room, featuring sliding tinted windows, and you'll find a covered porch perfect for grilling, and a large private backyard with a full privacy fence ideal for kids, pets, and relaxing. The home includes an attached 2-car garage offering convenience and ample storage, along with a separate climate-controlled exercise room perfect for a home gym, yoga studio, or private wellness space. Also on the property, you'll find a fully furnished 2-bedroom, 1-bathroom guesthouse, consistently rated as a "Guest Favorite" on Airbnb. With a strong rental history and immediate income generation potential, it's perfect for short-term rentals, visiting guests, or multigenerational living. The guesthouse is above a 3-car garageincluding one climate-controlled baywhich provides exceptional flexibility for storage, hobbies, or a workshop. Located in a highly sought-after area with top-rated schools, a public library, and shopping, dining, and Folly Beach just minutes away, this property offers the perfect balance of privacy, convenience, and lifestyle. Main Residence (~2, 495 SF) Dual Primary Suites - including a spacious private suite above the garage, perfect for guests or multigenerational living. Modern Kitchen - Stainless steel appliances, leathered granite, walk-in pantry, solid wood cabinetry with soft-close drawers and under-cabinet lighting, and bar seating. Warm & Inviting Living Spaces - A large gas fireplace with a reclaimed wood mantle, custom built-ins, and an open dining area. Luxury Primary Bath - Oversized shower, double vanity, and a walk-in closet with built-in storage. 2-Car Attached Garage - Includes a designated EV circuit, generator hookup, and a climate-controlled flex space for a workshop, office, or gym. Versatile Outdoor Living - Relax or entertain on the four-season screened porch with tinted windows and adjacent covered porch with large privacy fenced yard. Storm-Ready - Custom hurricane panels designed to let in natural light. Additional Dwelling Unit (ADU) (~750 SF + 3-Car Garage) A fully furnished, income-generating gem or ideal guest house, featuring: 2 Bedrooms & 1 Bath - Thoughtfully designed with comfort and privacy in mind. Turnkey Ready - Includes all furniture, appliances, linens, and kitchenware. Full Kitchen - Granite countertops, stainless steel appliances, pantry, and washer/dryer. Separate Entrance & Parking - Ideal for tenants or extended family. Pet-Friendly Yard - Fenced area with low-maintenance artificial turf. EV Charging Outlet & Office Space - Oversized 3-car garage includes a 350 SF climate-controlled office/work area. Property Highlights Expansive 1. 84-Acre Lot - Partially wooded with space for gardens, recreation, or future expansion. Ample Parking - Plenty of space for RVs, boats, and multiple vehicles. Prime Location - Just a short drive to downtown Charleston, Sol Legare boat landing, top dining spots, shopping, and Folly Beach.
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $960,000 | $960,000 | $960,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.750% | 6.500% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.949% | 6.865% | 6.706% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $125 | $125 | $125 |
Initial Principal & Interest Pmt | $5,989 | $6,227 | $8,363 |
Total Monthly Payment | $6,114 | $6,352 | $8,488 |
* 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.