4816 Parkside Dr, North Charleston, SC 29405
2 beds · 1 baths · 963 sqft
Tucked away in the heart of the highly desirable Park Circle neighborhood, 4816 Parkside Drive perfectly blends modern comfort with timeless appeal. Featuring 2 bedrooms, 1 bath, and a spacious bonus room, this home offers the ideal mix of cozy living, modern amenities, and flexible space.As you enter, you'll be greeted by bright, airy rooms that create a warm, inviting atmosphere throughout. The home showcases charming details, like the built-in bookshelf nook in the living room, an ideal spot to display your favorite books or treasured keepsakes.The kitchen is a true highlight, with stylish accent tiles and a large window that offers picturesque views of your charming backyard. Whether you're hosting an outdoor dinner, tending to your garden, or simply relaxing in your ownpeaceful retreat, this backyardcomplete with abundant fruit treesserves as a versatile space ready to be your personal sanctuary. Beyond the open living and kitchen areas, the two tranquil bedrooms provide cozy, private retreats. They share a beautifully updated bathroom featuring sleek, modern finishes that offer both style and comfort. Upstairs, you'll find a fantastic loft space full of potential. Whether you envision it as extra storage, a playroom, or an inspiring studio, this bonus area adds incredible versatility and value to the home. Additionally, as it's not included in the recorded square footage, it's a must-see feature that enhances the overall functionality. This property also offers plenty of parking, including a spacious driveway that can accommodate multiple vehicles, as well as a one-car garage equipped with electrical outletsideal for additional storage, a workshop, or parking. Location is key! Open the front door and you can step out onto a luscious, city-maintained green space. Giving you extra room to roam but less maintenance. This home is also situated just a short walk from the Park Circle Athletic Center. This 51,000 sq. ft. facility, recently renovated in 2024, features a variety of recreational amenities, including a community pool, three full-court basketball courts, three regulation volleyball courts, and four pickleball courts. Outdoors, enjoy a soccer field, baseball diamond, modern tennis courts, an outdoor roller rink, and scenic walking trails. The neighborhood has a vibrant, energetic atmospherewhether it's the community food trucks gathering soccer fans or dogs playing at Mixson Dog Park, you'll find a welcoming, lively vibe that fosters a true sense of connection. Just under a mile away, East Montague Street offers the vibrant heart of Park Circle's dining and entertainment scene. With local restaurants, trendy cafés, and unique boutiques, this eclectic street provides a laid-back spot for a casual night out or a quick bite with friends. From farm-to-table dining to locally owned shops, East Montague celebrates the best of local culture. For outdoor enthusiasts, Riverfront Park is approximately 2.3 miles away, offering a breathtaking retreat with expansive green spaces, scenic views of the Cooper River, and historical charm. The park features a Navy Memorial, scenic walking trails, art installations, and fields perfect for picnics or outdoor activities. Don't miss the sunset herethe sky fills with cotton-candy shades of pink and purple as the river reflects the colors in an unforgettable display. Living in Park Circle offers a rare blend of peaceful, small-town charm combined with the convenience of urban amenities. Enjoy the tranquility of a close-knit community while being just a short commute from downtown Charleston and the area's stunning beaches. Whether you're headed to work or leisure in the city, or simply soaking in the serenity of home, this location offers the perfect mix of modern living and Southern hospitality. Why wait for your dream life when you can start living it today?
Source: CTAR #25007804
Source: CTAR #25007804
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.