$669,000
$394/sq ft119 Harbour Key Drive · St. Helena Island, SC 29920
3
Beds
3
Baths
1,696
Sq Ft
2008
Built
What stands out
- Waterfront — Lagoon
- Bridge(s), Beach, Ocean, Water views
- Attached garage
- Private pool
- Outdoor living: Patio, Deck
- Fenced yard
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
Enjoy the laid back lifestyle of Harbor Island w/ gorgeous beaches, pool, tennis, pickelball, fitness center & more. Great views of Sound, Marsh & Lagoon frontage w/ great fishing! Lovely appointed 3 bedroom 3 bath home with open concept and privacy for rental potential or a full time residence - it's been both previously. There is a newly expanded rear deck for gracious entertaining, as well as a fenced yard with ground floor deck - plenty of space for cars, golf carts and storage in this raised beach house. Main…
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 2026-08-06 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$4,129–$4,364/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 $669,000 price, 20% down, 6.69% 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 $10,023/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 3
- Full Baths
- 3
- Living Area
- 1,696 sq ft
- Levels
- Two
- Flooring
- Carpet, Tile, Wood
- Appliances
- Electric Range, Microwave, Dishwasher, Refrigerator, Dryer, Washer
- Heating
- Electric, Heat Pump, Central
- Cooling
- Electric, Heat Pump, Central Air
- Water Heater
- Electric
- Interior Features
- Open Floorplan, Soaking Tub, Walk-In Closet(s)
Exterior & Lot
- Lot Size
- irregular
- Construction
- Frame, HardiPlank Type
- Foundation
- Elevated
- Parking
- Attached, Driveway, Garage
- Carport
- 2 spaces
- Porch / Patio
- Patio, Deck
- Fencing
- Full
- Pool
- Community
- View
- Bridge(s), Beach, Ocean, Water
- Waterfront
- Lagoon
- Exterior Features
- Thermo-Panes, Storage
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA Fee
- $1,680 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $669,000
- Price / Sq Ft
- $394
- Annual Taxes
- $10,023
- Financing Accepted
- Conventional, Cash
- Zoning
- Residential
Listing activity
On the market for 11 days.
Status: Active
Aug 3, 2026
New Listing
Aug 3, 2026
Came on market
Aug 3, 2026
Listed for sale
Jun 8, 2026
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 |
|---|---|---|---|
| 20 Jb Lane, St. Helena Island, SC 299203 bd · 1,716 sqft | $350,000 | $204 | Jul 2026 |
| 1407 Bb Sams Court, St. Helena Island, SC 299203 bd · 1,658 sqft | $440,000 | $265 | Jun 2026 |
| 23 Horse Island Road, St. Helena Island, SC 299203 bd · 1,600 sqft | $140,000 | $88 | Aug 2026 |
| 97 Rose Island Road, St. Helena Island, SC 299203 bd · 1,792 sqft | $515,000 | $287 | Jun 2026 |
| 1209 Seaside Road, St. Helena Island, SC 299203 bd · 1,583 sqft | $265,000 | $167 | May 2026 |
Recent closed sales of similar homes nearby (this list price is $669,000). 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
119 Harbour Key Drive, 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
~13.3 mi
Bluffton
~26.9 mi
Hilton Head Island
~22.2 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 Lorena D Stroud, Coastal Real Estate Solutions.
Listing data last updated August 11, 2026.
Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but is not guaranteed accurate by the MLS. All measurements are approximate. This data is provided 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.
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Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but is not guaranteed accurate by the MLS. All measurements are approximate. This data is provided 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.