4260 Zachary Rd, Sumter, SC 29154

Owner Financing Available - No Bank Needed - Move-in Ready 4BR Home Welcome to 4260 Zachary Rd - a spacious, updated 4-bedroom, 3-Full bath on private land designed for easy, affordable living. Flexible owner financing available- no traditional bank required. Bad credit OK with proof of income. If you've been struggling to get approved or just want a simpler path to homeownership, this is your opportunity. Inside, you'll find an open-concept layout with large fully equipped kitchen featuring modern finishes, ample cabinet space, and room to gather. Newer flooring and refreshed bathrooms give the home a clean, move-in ready feel from the moment you walk in. This home has already had the big-ticket items taken care of, giving you peace of mind for years to come. The HVAC and furnace and flexi-duct replaced in 2023 ducts cleaned in 2025. Kitchen cabinets and appliances were updated in 2024. Washer, Dryer, and Water heater were all replaced in 2025. The roof was installed in 2018. Outside, enjoy plenty of space to relax, entertain, or store your toys with peace of mind and security already in place with a fully fenced yard including two 18-foot Cantilever gates installed 2025 and multiple types of cameras throughout the property. There's covered parking, additional space for a boat or RV, oversized deck, screened porch and a storage shed for added convenience. Located just 22 min from Shaw Air Force Base, you get the perfect balance of quiet country living with quick access to town. This mobile home is a rare opportunity to own a move-in-ready fully furnished home with flexible financing, major updates already completed and amenities that you just can't get at this price point in a traditional home. Message me today for how to apply, questions or additional details. Ask me for the link to the video tour.