$1,249,000
$500/sq ft108 Winding Oak Drive · Okatie, SC 29909
3
Beds
2.5
Baths
2,500
Sq Ft
2024
Built
What stands out
- Garage parking
- 2 fireplaces
- 1.14-acre lot
Highlights are generated from the property's MLS facts. See the full listing description and details below.
FEMA Zone AE — a Special Flood Hazard Area. Flood insurance is required with a federally backed mortgage.
See what this means for your monthly paymentSource: FEMA National Flood Hazard Layer.
Listing description
Completed in 2024, this custom Allison Ramsey-designed home sits on a 1.14-acre marshfront lot, created by consolidating part of a neighboring parcel to enhance privacy, space, and views. Designed to embrace its surroundings, the elevated home offers sweeping marsh views and a blend of Lowcountry charm and casual luxury. Built by CMS with top-tier finishes, it features approx. 2,500 sq ft, French oak floors, Andersen windows and doors, 10-foot ceilings, and a new elevator. A rare opportunity for buyers seeking a br…
Your all-in monthly cost (est.)
Adjust the numbers to fit your situation
SC taxes a primary residence at a 4% ratio with a school-tax exemption — far lower than the 6% investor rate.
Freddie Mac 30-yr avg (FRED), as of 2026-06-18 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$7,485–$7,720/mo
This home sits in a FEMA Special Flood Hazard Area, so flood insurance is required with a mortgage (a fact, from the FEMA zone). The $65–$300/mo above is a rough planning range, not a quote — premiums are now priced per-property. Get an exact flood quote.
This is an estimate for planning only — not a loan quote or commitment to lend. Assumes a $1,249,000 price, 20% down, 6.47% rate over 30 years, and SC owner-occupied 4% + school exemption property tax. It excludes PMI/MIP, the VA funding fee, and closing costs. SC property tax varies by district and owner-occupancy status. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 3
- Full Baths
- 2
- Half Baths
- 1
- Living Area
- 2,500 sq ft
- Levels
- Two
- Flooring
- Tile, Wood
- Appliances
- Gas Range, Microwave, Dishwasher, Refrigerator, Washer, Tankless Water Heater
- Heating
- Electric, Heat Pump
- Cooling
- Electric, Heat Pump
- Fireplace
- 2
- Water Heater
- Electric, Tankless
Exterior & Lot
- Lot Size
- 1.14 acres
- Foundation
- Elevated
- Roof
- Metal
- Parking
- Additional Parking, Driveway, Garage
Utilities
- Water
- Public
- Utilities
- Water Available
Community & HOA
- HOA Fee
- $2,863 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $1,249,000
- Price / Sq Ft
- $500
- Financing Accepted
- Conventional, Fha, Cash
- Zoning
- Residential
Listing activity
On the market for 317 days.
Price Reduced
Jun 2, 2026
Status: Active
Mar 7, 2026
Came on market
Mar 7, 2026
Listed for sale
Aug 4, 2025
Source: Lowcountry Regional MLS. Price-change dates are shown without prior amounts; contact us for the complete history.
How the price compares
Recent nearby sales of similar homes
| Sold home | Sold price | $/sqft | Closed |
|---|---|---|---|
| 7 Vespers Way, Okatie, SC 299093 bd · 2,527 sqft | $529,000 | $209 | Feb 2026 |
| 416 Freshwater Lane, Okatie, SC 299093 bd · 2,443 sqft | $688,000 | $282 | Apr 2026 |
| 70 Fern Leaf Lane, Okatie, SC 299093 bd · 2,437 sqft | $765,000 | $314 | Mar 2026 |
| 67 Osprey Circle, Okatie, SC 299093 bd · 2,406 sqft | $1,050,000 | $436 | May 2026 |
| 9 Winding Oak Drive, Okatie, SC 299093 bd · 2,398 sqft | $500,000 | $209 | Feb 2026 |
Recent closed sales of similar homes nearby (this list price is $1,249,000). Selected by size, beds, and recency from the MLS — a quick read, not a formal appraisal or CMA.
Get a full comparative market analysisAsk anything about this home
Honest answers from this listing's data
I answer only from this home's real data — price, flood zone, taxes, history. If I don't know something, I'll say so and connect you with an agent. (AI assistant, not a licensed agent.)
Location
108 Winding Oak Drive, Okatie, SC 29909
Near military installations
Distances are approximate straight-line estimates from the property's coordinates, not drive times. Ask us about real commutes and PCS timing.
Getting around
Downtown Beaufort
~13.6 mi
Bluffton
~5.8 mi
Hilton Head Island
~9.6 mi
Approximate straight-line distances, not drive times — ask us about real commutes and PCS timing.
Schools
School assignments and attendance boundaries should be verified with the local district — they can change and aren't guaranteed by this listing.
This area is generally served by the Beaufort County School District. We're happy to confirm the exact assigned schools for this address — just ask.
Explore the area
Thinking about this home?
Before you schedule a showing, it helps to know what to look for. As your buyer's agent, we'll help you evaluate:
- Whether the price holds up against recent comparable sales
- Condition, age of major systems, and likely inspection issues
- Flood zone, insurance cost, and wind/hazard exposure
- Resale outlook and how the home compares in its market
- Offer strategy, contingencies, and a realistic closing timeline
Presented by
The Faris Group
eXp Realty
Local Beaufort Lowcountry agents. We represent buyers across Beaufort, Lady's Island, Port Royal, Bluffton, and the surrounding military communities — and we'll tell you straight whether a home is right for you.
Listing courtesy of Emily Kearney, Coastal R. E. Solutions II.
Listing data last updated June 2, 2026.
Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but not guaranteed. All measurements are approximate.
Similar homes you may like
More homes in Okatie
$1,399,000
$1,550,000
$1,250,000
Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but not guaranteed. All measurements are approximate.