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Third floor acts as 4th BEDROOM in this rare 3-story home in Oak Terrace Preserve! 3 bed, 3. 5 bath and a private 3rd floor that is used as a 4th bedroom with en-suite! Southern charm is in abundance as you step beyond the moss covered oaks and onto the path leading to your wide wraparound porch - the perfect setting for morning coffee or afternoon cocktails. Upon entering the wide foyer, you are welcomed into a space designed for entertaining, and no detail was overlooked when crafting this gorgeous home. Beyond the foyer, you're immediately welcomed to the bright living room with a floor-to-ceiling shiplap hearth that houses the gas fireplace and floating mantel. The living room is open to the large kitchen which features an oversized island, bar area, quartz countertops, stainless steel appliances, custom drawers, 42'' cabinetry, and a walk-in pantry. The large dining room is at the rear of the home, and a mudroom/drop zone is located off the dining area, at the rear entryway, and also has a large storage closet. The main level is complete with a large powder room, 10 ft ceilings, hardwood floors, and plenty of closets for storage. Hardwood stairs lead you up to the 2nd level where you will find three large bedrooms, including the oversized primary suite. The double doors of the primary ensuite open to a double vanity, luxury tiled shower with bench, and walk-in closet. The 2nd floor is completed with a full bath, laundry room, and 10 ft ceilings. The landing area and hallway of the 2nd floor are hardwood, while the bedrooms are carpeted. Tucked at the end of the hallway, a private staircase leads you up to the 3rd level with another full bathroom, which is effectively used as a 4th bedroom. Outside, there are two separate living spaces to enjoy! The rear yard is fenced by a living fence, which allows protection for children or pets. The side yard, easily accessed from the wraparound porch, has just been renovated with artificial turf, a new fence, and a built-in grill station. This home benefits from being located next to one of the many HOA maintained pocket parks. Oak Terrace Preserve is a sustainable community requiring all homes to be green certified. The neighborhood is peppered with green spaces and pocket parks, which host several neighborhood events such as monthly food trucks, outdoor movie nights, annual oyster roast/lowcountry boil, BBQ cookoff, and many holiday events. Located within walking/biking distance to Park Circle and Paradiso Social Club, this home also offers quick and easy access to i526, i26, the new North Charleston Athletic Complex, Riverfront Park, and the Charleston International Airport.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $612,000 | $612,000 | $612,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.750% | 7.125% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.173% | 7.316% | 6.550% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,969 | $4,123 | $5,247 |
Total Monthly Payment | $4,061 | $4,215 | $5,339 |
* 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.