2764 Calico Bass Ln Johns Island, SC 29455
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About this home
***Ask about the possibility of receiving 1% reduction in interest rate and free refi.***Possibility of assuming 3.25% rate. Located in the Johnston Point section of the highly sought-after Whitney Lake community on Johns Island, this beautiful home combines comfort, style, and convenience in an exceptional location. With a community green space right out front, the setting is as charming as the home itself. A coastal-inspired exterior accented by a welcoming palm tree creates an inviting first impression as you approach.Step inside to discover abundant natural light, attractive flooring, and an open floor plan designed for modern living.The bright and airy dining area leads to the kitchen, which features ample white cabinetry, gleaming countertops, sleek appliances, a pantry, and a center island with seating. From here, enjoy easy access to the backyard and an effortless flow into the family room and sunroom, where walls of windows bring the outdoors in. A convenient powder room is also located on the main level. Upstairs, the primary suite offers two walk-in closets and a private ensuite bath with a step-in shower and a large linen closet. Two more bedrooms are connected by a convenient Jack and Jill bathroom. A laundry room completes the upper level for added convenience. The backyard is a true outdoor retreat with a fenced-in yard, a patio for relaxing or entertaining, a swing set, lush landscaping featuring native plants, and an outdoor shower perfect for rinsing off. The garage also impresses with extra storage along the ceiling perimeter, and the attic hatch area has been enhanced with added subflooring, creating extra usable storage space. Whitney Lake residents enjoy access to fantastic community amenities, including a nearby play park and a scenic lake with two docks for fishing, kayaking, and canoeing. Nearby, you'll find popular local dining and breweries such as KISS Cafe, Cabana Burger, Island Provisions, Low Tide Brewery, and Wild Oliveall just over a mile away. Estuary Beans and Barley and Charleston Distillery are less than two miles away. Downtown Charleston is under eight miles from your doorstep, while Folly Beach (12.7 miles), Freshfields Village (13.5 miles) , and Beachwalker Park (16.1 miles) are all within an easy drive. With a serene setting, thoughtful updates, and a prime Johns Island location, this home offers the perfect combination of comfort and convenience. *Listing agent is related to the seller.
Source: CTAR #25023777
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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.
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