22 Three Pence Ln, Charleston, SC 29414
4 beds · 3 baths · sqft
Imagine having a prestigious Golf & Country Club right in your own backyard! Discover Charleston Golf Course living at its finest at 22 Three Pence Lane, a pitching wedge shot away from the coveted Shadowmoss Golf and Country Club. This is your opportunity to fully embrace the low country lifestyle in an active golf course community that is truly one of a kind. This charming home boasts 4 bedrooms, 3 bathrooms, spans 2393 square feet and has everything you could possibly need, with modern conveniences, upgrades and updates galore, and incredible panoramic club and golf course views, nestled in Shadowmoss, a coveted West Ashley neighborhood, close to local shopping, restaurants, the airport, downtown Charleston, and our beautiful beaches. The flow of the home is perfect forfor entertaining large and intimate gatherings, indoors and out, while staying connected to your guests. Whether you're on the screen porch enjoying an early morning coffee, on the front porch, sipping on some sweet tea in your rocking chairs, enjoying a lazy afternoon, hanging with friends and your favorite beverages on the back deck watching the golfers pass by, or tinkering in garage while your favorite team plays, you'll find plenty of outdoor living space here! The nature light that fills this home makes it feel so warm and inviting and the open concept of the main living area lends itself nicely to furniture placement and arrangement to maximize seating and accommodate larger gatherings. The first floor features a spacious family room with hardwood floors and a wood burning fireplace (with a gas connection) that is perfect for cozying up on a cool evening or simply for the ambiance. There's also a sizable formal dining area which opens up to the family room and kitchen with access to the screen porch. The eat in kitchen overlooks the family room and dining area which is perfect for meal preparation, entertaining and staying connected, it also has a gas stove, soapstone countertops, modern appliances and a pantry with ample storage. The private owner's retreat will not disappoint! It features a luxurious ensuite bathroom, a walk-in closet and a sunroom with expansive views of the Club and Golf Course. You'll also find two additional bedrooms, a full bathroom and a large laundry room on the first floor. The oversized fourth bedroom is upstairs and it's the perfect guest suite, with its own updated, full bathroom. The two car garage has elevated ceilings for ample storage and a double driveway to accommodate multiple vehicles. And if that's not enough, the Club, pool, fitness center and Bar and Grille are right out back, just take the bridge over or hop on the golf cart and grab a bite to eat, meet some neighbors, hang out and enjoy "Moss Life" at the prestigious Shadowmoss Golf & Country Club, if you know, you know! Schedule a showing today and see for yourself why everyone loves SHADOWMOSS LIFE! Whether you're a seasoned pro or a novice enthusiast, you'll delight in the convenience of living in Shadowmoss, indulging in the vibrant lifestyle of this active community, where every day is filled with excitement and connection. From neighborhood gatherings to community-wide events, there's always something happening to bring the community together and create lasting memories. Whether it's the monthly Moss Market, Food Truck Friday with live music, Music Bingo on Saturday evenings, Team Trivia on Monday nights, Holiday golf cart parades, Golf Tournaments or Charity Fundraisers, the calendar is always brimming with opportunities for entertaining and socializing with friends and neighbors. Embrace the sense of camaraderie and belonging that comes with being part of such a dynamic community, where each day offers a new opportunity for fun and fellowship. You'll also enjoy its convenient location and close proximity to downtown, shopping, dining, and beaches. Make this place your own and start living the Shadowmoss Life TODAY! *Golf memberships are available but
Source: CTAR #24026242
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24026242
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: #24026242
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