$275,000
124 Whistling Swan Rd, Elloree, SC 29047

About this home

Just outside the charming town of Elloree, South Carolina, this 3 bedroom, 2 bath brick home sits on approximately 6 acres in Calhoun County, offering the kind of space, privacy, and country comfort that is getting harder and harder to find. If you have been dreaming of room to breathe, stretch out, garden, tinker, store your toys, or simply enjoy a little elbow room between you and the rest of the world, this one deserves a serious look.From the moment you arrive, the setting feels peaceful and practical all at once. Mature trees, open yard space, rural views, and that classic red-brick exterior create a property that feels steady, welcoming, and full of potential. There is plenty of room outside for parking, projects, pets, hobbies, equipment, or weekend gatherings under the shade. Tsurrounding land gives you that quiet country feel without being tucked so far away that running to town becomes an expedition requiring snacks and a compass. Inside, the home offers a comfortable and functional layout with warm, lived-in charm. The main living area flows into the dining and kitchen spaces, creating an easy everyday setup for relaxing, entertaining, cooking, and gathering. The living room has plenty of natural light, a cozy feel, and enough space for real furniture, not just those tiny "showroom only" pieces that look cute until someone actually tries to sit down. The kitchen features white cabinetry, open shelving, generous counter space, a gas range, dishwasher, refrigerator, and a bright window over the sink that brings in a peaceful view while you handle the daily business of coffee, dishes, and deciding what everyone is pretending they want for dinner. The dining area sits right in the heart of the home, making it a natural spot for meals, homework, card games, conversations, and the kind of everyday moments that make a house feel like home. With three bedrooms and two full bathrooms, the home offers flexibility for sleeping space, office space, guests, hobbies, or whatever stage of life you are currently wrangling. The bedrooms are nicely sized, and the home includes practical features such as laundry/storage space, indoor utility areas, and multiple living-use options that make daily life easier. Outside is where this property really starts showing off. Six acres gives you options. Want a garden? There is room. Need storage or workspace? There is room. Want a place for chickens, outdoor hobbies, equipment, or just a quieter lifestyle with fewer neighbors peeking over the fence? There is room. The property includes open grassy areas, mature shade trees, a storage/outbuilding area, and peaceful views across nearby farmland. It has the feel of a country retreat, but it is still conveniently located just outside Elloree, with access to small-town amenities, local shops, schools, restaurants, and the broader Lake Marion region. This is the kind of property that makes sense for someone who wants more than just a house on a tiny lot. It offers land, function, character, and the opportunity to make it your own. Whether you are looking for a primary residence with acreage, a rural homestead-style setup, a place with room for hobbies, or simply a property where you can sit outside and hear more birds than traffic, this one checks some very important boxes. Bring your vision, your rocking chairs, your garden plans, your tool collection, and maybe even your "I need more space" wish list, because this Calhoun County property is ready for its next chapter. With 3 bedrooms, 2 baths, approximately 6 acres, a classic brick exterior, and a location just outside Elloree, this home offers the space and setting buyers are always asking for, but rarely find when they are actually ready to move. Country charm, usable land, and everyday convenience have decided to meet up right here, and honestly, they look pretty good together.


3 bed
2 bath
1,495 sqft
6 acres
Single fam
Built 1986
1 car
A/C
Fireplace
Your payment
$1,262/mo at 4%
You save $992/year compared to a new mortgage.

FHA loan: $144,723 at 4%
Gap loan: $0
Payment details
Home price
$275,000

Down payment
$130,276

Total loan (4%)
$144,723
FHA loan (4%)
$144,723
Gap loan (7.13%)
$0

Term
23 yrs 4 mo

Tax rate

× $275,000 = $2,502/yr

Premium

Include loan insurance
Loan insurance on FHA loans is generally permanent. An exception applies when the original down payment was 10% or more, permitting removal after 11 years from origination.
Fees
Water/sewer
Electricity
Internet
Gas
Neighborhood
FAQ

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.

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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.

Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.

Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.

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Last updated: Jun 24, 2026 11:29 pm
Listing agent: Kristie Anderson (803) 387-9459
Listing provided courtesy of: Lake Homes Realty, LLC, (205) 985-2991
Details provided by CTAR and may not match the public record.
MLS ID: #26017985
Payment calculations are estimates and exact amounts will be confirmed by your agent.
The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program of the Charleston Trident Association of REALTORS®/Charleston Trident Multiple Listing Service. Those properties marked with the Broker Reciprocity logo are provided courtesy of the Charleston Trident MLS Broker Reciprocity Database. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. Any use of search facilities of data on the site, other than by a consumer looking to purchase real estate, is prohibited. Information deemed reliable but not guaranteed. Copyright © 2026 Charleston Trident Association of REALTORS®. All Rights Reserved.
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