Saddlewood • North Augusta, SC
108 Windy Mill Drive
North Augusta, SC 29841
$329,900
Fully Renovated — Just Listed
A renovated home,
a real yard,
no HOA.
Standout Features
100% USDA financing available — zero down for qualified buyers
Fully renovated 2026 — new roof, HVAC, windows & LVP flooring
Brand-new kitchen cabinetry and appliances
Renovated tile showers in both bathrooms
Finished flex space over the garage
0.67-acre lot with new privacy fence & sod
Covered front and rear porches + deck
No HOA
Zoned for Belvedere Elementary, Highland Springs Middle & North Augusta High
If you've been priced out of newer construction but still want a home that's truly move-in ready, 108 Windy Mill Drive delivers both. This fully renovated 3-bedroom, 2-bath home in Saddlewood has been taken back to new — with a brand new roof, HVAC, windows, LVP flooring, interior paint, board-and-batten siding, cabinetry, appliances, and renovated tile showers. And because it qualifies for USDA, qualified buyers can finance 100% with zero down — a rare combination at this price point.
Inside, an open floor plan connects the kitchen, dining, and living areas with a cozy fireplace anchoring the main living space. The all-new kitchen features brand-new cabinetry, stainless appliances, an island, and an eat-in nook. All three bedrooms sit on the main level — one-story living without the cookie-cutter feel. A finished flex space over the garage adds the kind of flexibility you rarely get at this price: perfect for a home office, workout room, hobby space, or guest overflow.
Outside is where this home really stretches its legs. The 0.67-acre lot is a rare find on this side of North Augusta — a flat, cleared backyard wrapped in a brand-new privacy fence, with fresh sod ready for weekend cookouts, kids running around, or the dog you've been waiting on. Covered front and rear porches plus a deck give you plenty of ways to enjoy the outdoors, and there's no HOA telling you how to do it.
Saddlewood sits on the established side of North Augusta — just minutes from the North Augusta Greeneway, SRP Park, downtown North Augusta, and I-20. You're a short hop from the Savannah River, downtown Augusta, and the day-to-day essentials along Edgefield Road and Martintown Road. Zoned for Belvedere Elementary, Highland Springs Middle, and North Augusta High School in the Aiken County Public School District.
Home Details
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108 Windy Mill Drive • Payment Calculator
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Compare common loan scenarios for this home — including USDA, which lets qualified buyers finance 100% with zero down. Then adjust the down payment, rate, or term to see what fits your budget.
About USDA financing on this home
108 Windy Mill Drive qualifies for USDA Guaranteed financing, meaning qualified buyers can finance 100% of the purchase price with zero down. USDA loans offer competitive rates and are available to buyers whose household income falls within program limits (which vary by area and family size), and the home itself must be in a USDA-eligible location — this one is. USDA loans include a 1% upfront guarantee fee typically rolled into the loan, plus a 0.35% annual guarantee fee (paid monthly, similar to PMI) that's not reflected in the P&I calculation above. Contact Katie or John Mark for details on eligibility and pre-qualification.
For illustration only. Estimates are not a loan offer or commitment to lend, and actual rates, payments, and terms depend on credit, income, property, and loan program. Rates shown are from the preferred lender's current rate sheet — John Mark Capers, Queensborough Mortgage (NMLS ID 2003443) — as of late October 2026. A property-specific breakdown for 108 Windy Mill Drive is being prepared; taxes and insurance shown are estimated for Aiken County, SC and will be confirmed at pre-approval. USDA loans include an upfront guarantee fee (typically 1%) and an annual guarantee fee (0.35% of loan balance) not reflected in the P&I calculation above. A 1% lender credit on the loan amount is available to qualified buyers using the preferred lender.
The Professional Loan Program
Queensborough Bank's Professional Loan is one of my favorite tools for buyers in today's market. It's designed for professionals with post-graduate degrees and offers flexible financing so you can keep more cash in the bank.
Little to no money down: 100% financing up to $832,750, with loans available up to $1.5M (down payment required above $832,750)
No PMI: no private mortgage insurance, even with less than 20% down
30-year fixed rate: a predictable payment for the life of the loan
700+ credit score required
Post-graduate degree with qualifying income requirements
Home purchases only: not available for refinances
John Mark Capers
Mortgage Loan Originator
(706) 799-9196
NMLS #2003443
Location • Saddlewood, North Augusta, SC
Life in Saddlewood
Saddlewood sits on the established west side of North Augusta — a quiet, mature Belvedere-area neighborhood with bigger lots, older trees, and none of the HOA rules that come with newer subdivisions. You're minutes from I-520, downtown Augusta, Fort Gordon, and the Augusta University Medical District, with the Greeneway, SRP Park, and downtown North Augusta all a short drive away. For buyers who work in Augusta but want to live across the river, Saddlewood puts you closer to the city than most North Augusta addresses.
Minutes to daily essentials
- Belvedere Elementary (zoned)2 min drive
- Edgefield Rd grocery & retail5 min drive
- I-520 (Bobby Jones Expy) access5 min drive
- Walmart Supercenter (Edgefield Rd)7 min drive
- I-20 access10 min drive
- Downtown North Augusta10 min drive
A quick drive to
- North Augusta Greeneway Trail7 min drive
- Augusta University Medical District12 min drive
- Fort Gordon (Fort Eisenhower)15 min drive
- Downtown Augusta & Broad Street15 min drive
- Augusta Mall & Augusta Exchange15 min drive
- Riverside Village & the Riverwalk15 min drive
- SRP Park & the Augusta GreenJackets15 min drive
- Costco, Topgolf & Riverwatch Pkwy20 min drive
- Augusta Regional Airport20 min drive
- Downtown Aiken, SC30 min drive
Drive times are approximate, based on Google Maps, and vary with traffic.
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Pick a time that works for you and I’ll meet you at the door.
Payment scenarios are estimates based on rates from preferred lender John Mark Capers (NMLS #2003443), Queensborough National Bank & Trust Company (NMLS #736995), available as of late October 2026, and are for illustration only. Actual rates, payments, and terms depend on credit, income, property, and loan program, and are subject to change. This is not a commitment to lend. Payments include estimated principal, interest, property taxes, and homeowners insurance. Saddlewood has no HOA. A property-specific breakdown for 108 Windy Mill Drive is being prepared; taxes and insurance shown are estimated for Aiken County, SC and will be confirmed at pre-approval. USDA loans include an upfront 1% guarantee fee (typically rolled into the loan) and a 0.35% annual guarantee fee (paid monthly, similar to PMI) not reflected in the P&I calculation. USDA eligibility is subject to household income limits and property location requirements. A 1% lender credit on the loan amount is available to qualified buyers using the preferred lender (approximately $2,600 to $3,400 depending on loan program). Buyers should verify all figures independently. Member FDIC. Equal Housing Lender.