208 Austin Creek Ct, Summerville, SC 29483
3 beds · 2 baths · sqft
Discover this beautifully maintained home in the sought-after Blackberry Creek neighborhood in the Knightsville area of Summerville. Nestled in a cozy community with sidewalk-lined streets and a charming community park featuring picnic tables and a pavilion, this is the perfect place for gathering with friends and family. This single-story home offers a serene pond view in the backyard, blending comfort and convenience in a tranquil setting.Step inside and enjoy the seamless flow of luxury vinyl plank flooring, installed in 2021. The living area opens to the eat-in kitchen, which boasts ample counter and cabinet space along with an upgraded pantry featuring durable wood shelving and additional cabinet storage.The master bedroom is a true oasis, offering a relaxing pond view. The walk-in closet has been upgraded with custom storage shelves by Closet Factory, and the completely remodeled master bathroom features timeless finishes and a large, tiled walk-in shower. This home also includes two additional generously sized bedrooms, one of which also has a walk-in closet. The upgraded laundry room, conveniently located in the hall, maximizes both storage and functionality. The two-car garage offers plenty of room for vehicles and extra storage, complete with a custom-built tote system perfect for organizing holiday décor or seasonal items. Step outside to enjoy peaceful pond views from your patio, which is large enough for an outdoor dining set and grilling area. The fenced-in backyard adds extra privacy and security for outdoor living. Meticulously maintained over the years, this home includes bi-annual HVAC service, quarterly pest control, a transferable termite bond, air duct cleaning in 2023, a new roof installed in 2020, and updated kitchen appliances, including a new dishwasher, new microwave, and garbage disposal. Blackberry Creek is conveniently located off Orangeburg Road, providing easy access to shopping at Food Lion, Publix, Neighborhood Walmart, hardware stores, gas stations, restaurants, and major highways like HWY 78 and I-26. Zoned for Dorchester District 2 schools, this home is also near Pinewood Prep. This home offers the perfect combination of modern upgrades, peaceful surroundings, and a prime locationmaking it an exceptional place to call home.
Source: CTAR #24025256
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24025256
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #24025256
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.