1174 Fort Johnson Rd, Charleston, SC 29412
4 beds · 3 baths · 1,854 sqft
Location, Location, Location!Welcome to 1174 Fort Johnson Road, ideally positioned in the heart of James Island, where coastal charm meets city convenience. Just minutes from pristine beaches and historic downtown Charleston, this beautifully renovated one-story ranch offers effortless access to restaurants, shops, parks, and top-rated schools, all within walking or biking distance. Nestled on a large, HOA-free lot, this home provides the freedom to store your boat, camper, or recreational vehicles right at home. The open and airy floor plan boasts 4 spacious bedrooms and 3 full bathrooms, including dual primary suites, each with its own private en-suite bath, offering luxurious comfort and privacy.The inviting family room is anchored by a charming fireplace, creating a cozy ambiance for mild Lowcountry winters. Gleaming LVP floors flow seamlessly throughout the home, complemented by elegant ceramic tile in the bathrooms. At the heart of the home is the chef's kitchen, thoughtfully designed for both function and style. It features stainless steel appliances, butcher block countertops, a sleek tile backsplash, and a large pantry for ample storage. Just off the kitchen, a spacious mud/laundry room offers added convenience as you enter from the garage. The expansive backyard is fully enclosed with a new privacy fence, making it ideal for pets, children, and outdoor entertaining. With plenty of space, it's perfect for adding a pool or creating your own backyard oasis. Enjoy relaxing mornings or sunset gatherings on the front and back decks, perfect for soaking in the Lowcountry lifestyle. This exceptional home offers space, style, and unbeatable convenience all without the restrictions of an HOA. Don't miss this rare opportunity to own a prime James Island retreat. Schedule your showing today!
Source: CTAR #25008083
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CTAR #25008083
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.