3009 S Bay St, Georgetown, SC 29440
3 beds · - baths · sqft
Welcome to 3009 S Bay St, a stunning 3-bedroom, 2-bathroom home located on a serene stock pond in the prestigious Harbor Club on Winyah Bay community of Georgetown. This beautiful residence boasts an open concept single level and bright living room, offering an easy flow throughout the home with high ceilings and abundant natural light. The kitchen is a chef’s delight, featuring stylish stainless steel appliances, including a gas range, a spacious walk-in pantry, a convenient breakfast bar, granite countertops, and ample cabinet storage. The master bedroom is a true retreat, with picturesque pond views, elegant tray ceilings, and a generous walk-in closet. The master bathroom offers a double-sink vanity and a roomy walk-in shower for your comfort and convenience. The Carolina room, bathed in natural light, provides an incredible view of the pond, making it the perfect spot for relaxation. Other features of the is incredible home include waterproof LVP flooring, cultured marble sinks in both bathrooms, insulated hurricane proof windows with screens, and custom made room darkening blinds. Step out onto the covered patio, which leads to the deck overlooking the pond, offering the perfect backdrop for entertaining guests or unwinding at the end of the day. Enjoy the sights and sounds of the neighborhood from the comfort of your front porch. Harbor Club at Winyah Bay offers incredible amenities including a community boat ramp, a fishing pier, and boat/rv storage. Situated in a prime location, you are just minutes away from the scenic Winyah Bay, the beaches of Pawleys Island, historic Downtown Georgetown, excellent golfing, shopping, dining, and entertainment options. Come experience the perfect blend of comfort, style, and tranquility at 3009 S Bay St. Your dream home awaits. Book your showing today!
Source: MYRTLEBEACH #2415309
Interest rate and monthly payment estimated based on public records.
Source: MYRTLEBEACH #2415309
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: #2415309
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.