1174 Fort Johnson Rd Charleston, SC 29412
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About this home
Welcome to 1174 Fort Johnson Road--the James Island retreat where Lowcountry living meets Charleston charm. Perfectly situated in the heart of the island, this beautifully reimagined ranch home places you just minutes from pristine beaches, the cobblestone streets of historic downtown, and an array of top-rated schools, parks, and local favorites--all within walking or biking distance. And with no HOA, you'll have the freedom to bring along your boat, camper, or jet skis and truly live the island lifestyle. Step inside to discover a thoughtfully renovated single-story layout designed for both comfort and style. This home features 4 spacious bedrooms and 3 full baths, including two luxurious primary suites,The open living area is anchored by a statement fireplace in the family room, creating a cozy centerpiece for gatherings. Gleaming LVP flooring flows seamlessly throughout, paired with elegant ceramic tile in the bathrooms. At the heart of the home, the chef's kitchen boasts premium stainless-steel appliances, butcher block countertops, a designer backsplash, and a massive pantry perfect for both weeknight meals and entertaining. A spacious mudroom and laundry room off the kitchen add convenience, especially after a day on the water. Out back, a brand-new privacy fence frames your personal oasis. Whether you envision summer barbecues, a sparkling pool, or a lush garden retreat, the options are endless. Relax on the front or back decks with your morning coffee or unwind at sunset while soaking in the island breeze. 1174 Fort Johnson Road is a rare James Island gem. Schedule your private showing today and discover the coastal lifestyle you've always dreamed of.
Source: CTAR #25025854
Neighborhood
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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.