104 Harpers Row Summerville, SC 29483
Your savings
About this home
** Ask your agent about an assumable mortgage opportunity with a 2.625% rate with $435k owed ** Welcome to your dream home in the heart of Historic Summerville. Nestled on a quiet cul-de-sac in the highly sought-after Gadsden Manor community, without an HOA, this timeless two story brick home combines classic Southern charm with modern comfort in all the right ways. Featuring 4 bedrooms, 4 bathrooms (2 full and 2 half), and a spacious 2-car garage, this beautifully maintained home is priced at appraisal, offering both value and elegance in one of Summerville's most desirable neighborhoods.As you step through the front door, you're greeted by a grand foyer that sets the tone with elegant details and a warm welcome. The formal living area is open and inviting, anchored by a cozy gas fireplace, detailed crown molding, and a comfortable flow into a sun-filled sitting area. To the left, a formal dining room boasts stunning bay windows, ideal for holiday meals or evening gatherings. The kitchen is a true standout, thoughtfully designed for both cooking and entertaining, it features a gas cooktop, double ovens, and plenty of counter space for prep and serving. Just off the kitchen is a mudroom that adds both charm and practicality to daily living. There are dual staircases, one in the front entry and a second off the kitchen for easy access to the upstairs living spaces. All bedrooms are located on the second floor, along with a conveniently placed laundry room, no more carrying baskets up and down stairs! The primary suite is a private retreat, featuring a tray ceiling, plenty of room for a king sized bed, a relaxing sitting area, and a luxurious en-suite bath with French doors, whirlpool tub, separate shower, and private water closet. In addition to the spacious secondary bedrooms, the finished room above the garage offers flexibility and comes with its own half bath, a rare and valuable feature for guests or teens needing their own space. Step out back and imagine the possibilities, the backyard is ready to become your personal oasis. With space for water features, a pool, or a serene garden. Located just a golf cart ride from Summerville's historic town square, you're minutes from local restaurants, boutique shopping, and beloved community events. This home truly offers the best of both worlds, quiet, established neighborhood living with all the charm and convenience of downtown Summerville just around the corner. Don't miss your chance to make this one of a kind property your next home.
Source: CTAR #25029041
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.