$849,000
$420/sq ft11 Nautical Watch Way · St. Helena Island, SC 29920
4
Beds
3
Baths
2,022
Sq Ft
2000
Built
What stands out
- Ocean views
- Fireplace
- Outdoor living: Screened Porch, Deck, Porch
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
Welcome to ''Rise and Shine'' on beautiful Harbor Island, SC. This 4 BR 3 BA home has unobstructed views of the salt marsh, Atlantic Ocean, and Hunting Island State Park. This home features 3 bedrooms on the main floor. Master on first floor with ocean views and ensuite. Newly renovated second floor master features new carpet, remodeled bath, spray foam insulation. New hurricane Rolladen shutter installed on private master deck. Custom whole house hurricane shutters included. Home features hardwood flooring on fir…
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)
$5,086–$5,321/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 $849,000 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. For reference, the current tax on record (MLS) is about $2,470/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 4
- Full Baths
- 3
- Living Area
- 2,022 sq ft
- Levels
- Two
- Flooring
- Carpet, Tile, Wood
- Appliances
- Electric Range, Microwave, Dishwasher, Refrigerator, Disposal, Ice Maker, Fire Alarm, Cable TV/Available, Dryer, Washer
- Heating
- Electric, Heat Pump
- Cooling
- Electric, Heat Pump
- Fireplace
- 1
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Lot Size
- 0.09 acres
- Construction
- Board & Batten Siding
- Foundation
- Elevated
- Roof
- Composition
- Parking
- Attached Carport, Basement, Covered, Driveway, Inside Entrance
- Carport
- 4 spaces
- Porch / Patio
- Screened Porch, Deck, Porch
- View
- Ocean
- Exterior Features
- Storage, Hurricane Shutters
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA Fee
- $1,679 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $849,000
- Price / Sq Ft
- $420
- Annual Taxes
- $2,470
- Financing Accepted
- Conventional, Cash
- Zoning
- PUD
Listing activity
On the market for 316 days.
Price Reduced
Jan 12, 2026
Status: Active
Aug 13, 2025
Listed for sale
Aug 13, 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 |
|---|---|---|---|
| 660 S Reeve Road, St. Helena Island, SC 299204 bd · 2,152 sqft | $653,000 | $303 | Jun 2026 |
| 480 Bb Sams Drive, St. Helena Island, SC 299204 bd · 2,164 sqft | $689,000 | $318 | May 2026 |
| 47 Avenue Of Oaks, St. Helena Island, SC 299204 bd · 2,177 sqft | $537,000 | $247 | Mar 2026 |
| 10 Harris Lane, St. Helena Island, SC 299204 bd · 2,301 sqft | $286,000 | $124 | Mar 2026 |
| 1301 Rowland Drive, St. Helena Island, SC 299203 bd · 1,982 sqft | $525,000 | $265 | Apr 2026 |
Recent closed sales of similar homes nearby (this list price is $849,000). 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
11 Nautical Watch Way, St. Helena Island, SC 29920
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
~13.9 mi
Bluffton
~27.5 mi
Hilton Head Island
~22.7 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 Michelle M Basso, The HomesFinder Realty Group.
Listing data last updated January 12, 2026.
Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but not guaranteed. All measurements are approximate.
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Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but not guaranteed. All measurements are approximate.