3100 Sonja Way, Mount Pleasant, SC 29466
4 beds · 3 baths · 2,772 sqft
Tucked away at the end of a quiet street in the sought-after Park West community, this home offers a rare blend of privacy, modern comfort, and outdoor adventure. With a tidal creek just beyond the backyard, you can launch a kayak from your own property and explore the surrounding waterways. The paved patio and gas firepit create an inviting space to unwind, entertain, or simply take in the serene marsh views.A full front porch, perfectly sized for rocking chairs, faces east--an ideal spot to enjoy your morning coffee as the sun rises. Step inside to a bright, airy foyer that soars to the second-floor walkover, enhancing the home's open feel. Just off the entry, behind elegant French doors, is a private flex room, perfect for a home office, workout space, or creative retreat.The heart of the home is the open-concept family room, kitchen, and breakfast nookdesigned for connection and everyday convenience. Whether you're hosting friends, relaxing by the fireplace, or preparing a meal, this space brings people together. The centrally located kitchen flows seamlessly between the formal dining area and the casual breakfast nook, which overlooks the patio and marsh beyond. Upstairs, four well-sized bedrooms provide flexibility for work, rest, and recreation. The spacious primary suite features a private en suite bath, while a second flex space offers room for a media lounge, hobby area, or personal gym. A conveniently located laundry room makes daily routines effortless. Designed for those who appreciate both comfort and an active lifestyle, this home is move-in ready with all major mechanicals up to date. Dual HVAC units (2016 & 2023) provide energy-efficient climate control, a brand-new roof (2025) offers long-term durability, and a recently replaced water heater (2023) ensures reliability. All appliances are in working order, and the home is protected by a termite bond. The garage has been upgraded with overhead storage to keep gear organized and accessible. The property's unique setting maximizes privacy while offering access to outdoor recreation. Bordered by a marsh and tidal creek in the back and a peaceful pond to the side, the home provides a tranquil retreat without sacrificing community access. Whether paddling out for an evening kayak, gathering around the firepit with friends, or simply enjoying the natural beauty from your backyard, this home is designed for those who love to stay active, connected, and comfortable.
Source: CTAR #25002290
All values shown are estimated costs / mo.
Source: Public records
Source: CTAR #25002290
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.