3990 Hillyard St, North Charleston, SC 29405
3 beds · 3 baths · 1,520 sqft
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BEST DEAL IN PARK CIRCLE!! Short Term Rentals allowed by HOA! Tucked away near the end of a quiet, closed loop and directly across from Four Poles Park, this beautifully maintained home in Greater Park Circle offers the perfect blend of modern design, thoughtful upgrades, and an unbeatable location. Just one minute from the heart of Park Circle and only five miles to downtown Charleston, this spot is ideal for anyone looking to enjoy a walkable, connected lifestyle in one of Charleston's most exciting neighborhoods.Inside, the open concept floor plan is both functional and inviting. The kitchen is a standout feature with a large island that offers bar seating, generous counter space, and plenty of storageperfect for entertaining or everyday living. The owner's suite feels like a private retreat with dual vanities and two custom-designed closets that provide optimal organization. Two additional bedrooms and a full bath offer great flexibility, whether you need space for guests, a home office, or both. This home has been upgraded well beyond builder standards. The sellers added a stylish paver patio in the backyard, creating an ideal setting for outdoor gatherings. A premium vinyl privacy fence surrounds the yard, and attic storage was extended to maximize space. Custom board and batten accent walls add character throughout the home, and a smart thermostat enhances comfort and energy efficiency. The closets in the owner's suite were upgraded with a full closet design system, and garden beds have been added for both beauty and function. A shed in the backyard provides extra storage, and the sellers are even open to selling some of the home's furnishings. Practical touches include impact-rated Low-E windows, 9' smooth ceilings on the first floor, two dedicated off-street parking spaces, concrete walkways and patio, dual hose bibs, and a welcoming covered front porch. The HOA includes weekly lawn caremowing, edging, and weed eatingas well as annual pressure washing and contributions to a community roof fund. The location speaks for itself. You're just steps from a disc golf course, minutes from some of the best breweries in Charleston, and right near the exciting Riverfront redevelopment, which includes new food halls and renovated historic spaces. This is a move-in ready home with all the extras, set in one of the most dynamic communities in the Lowcountry.
Source: CTAR #25011187
All values shown are estimated costs / mo.
Source: Public records
Source: CTAR #25011187
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 and Equal Opportunity Act.