636 Chigwell Springs Ln, Summerville, SC 29486
4 beds · 4 baths · sqft sqft
**PRICED TO SELL! ASSUMABLE 3.625% RATE TO ANYONE! $2,308.00 MONTHLY** Have you ever wanted to live in a top master planned community in the country where you can ride golf carts around all day and have a luxury feel lifestyle? Well, look no further! Here's your chance to have that at a wonderful price! This neighborhood is unlike ANY other master planned community you've been too! This home is a one of a kind gem in the tucked away community of ''West Lake''. Its name says it all! It's part of a special HOA that allows you to have access to a 350 acre lake that has plenty of fishing, kayaking, and can access it either by your golf cart or by an electric powered boat. Welcome to this stunning and luxurious home located in a prime location!Welcome to your dream home, nestled on a coveted corner lot in the prestigious West Lake community. This stunning residence boasts an expansive front yard, providing ample space and privacy, enhanced by meticulous landscaping that invites you to explore. As you arrive, the charming hardy plank siding and a long, wide driveway create an impressive first impression. Step onto the inviting full front porch, perfect for morning coffee or evening relaxation. Upon entering, you are greeted by soaring ceilings and an abundance of natural light that highlights the exquisite scratch-resistant and waterproof flooring throughout. The thoughtfully designed open-concept layout flows seamlessly, leading you to a magnificent kitchen that is sure to impress. Featuring a grand island, staggered white cabinetry, stainless steel appliances, a gas range, granite countertops, and a generous walk-in pantry, this culinary haven is perfect for both everyday meals and entertaining guests. The adjoining large living room, complete with a custom fireplace and built-in shelving, creates an inviting atmosphere, while the spacious dining area offers the ideal setting for family gatherings. The primary suite downstairs is a true retreat, offering generous dimensions and a luxurious en-suite bathroom with tiled flooring, double vanity sinks, and a walk-in shower. The walk-in closet provides ample storage for your wardrobe. Every detail in this home has been meticulously curated, from the beautifully trimmed doors to the elegant wooden tread stairs leading to the upper level. Upstairs, you'll discover a vast loft area that serves as a versatile space for relaxation or play. The spacious bedrooms each provide their own unique charm, with one featuring an attached bathroom and the other two sharing a large bathroom equipped with double vanity sinks and stylish tiled flooring. One of the standout features of this property is the expansive backyard, recognized as one of the largest in the West Lake area. Step outside onto the screened back porch and take in the serene surroundings, where the lush greenery extends to the tree line, creating a perfect playground for children and pets alike. This outdoor oasis is ideal for enjoying breathtaking low country sunsets and hosting summer barbecues. Experience the ultimate blend of luxury, comfort, and style in this exceptional West Lake home. The amenities in the neighborhood resemble a resort style lifestyle! It IS arguably the best amenity center is all of Cane Bay Plantation as it features a MEGA pool with a kid area, pickle ball courts, a fishing pier, a boat ramp, huge playground, horseshoes, bocci ball, a fire pit, and etc. There's nothing like this in this neighborhood! All three of the schools are also located right here in the Cane Bay! Cane Bay Plantation is a golf cart community with golf cart/walk/jog trails from the front to back for miles, shopping and restaurants at the front, and plenty more coming! There is plenty to do here and it has the largest YMCA on the east coast. There are events throughout the entire year such as food truck nights every night in a different community, golf cart parades, poker runs on the golf carts, neighborhood get togethers, fishing t
Source: CTAR #24023025
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24023025
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?
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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: #24023025