$995,000
$468/sq ft12 Pine Island Road · Bluffton, SC 29910
4
Beds
3
Baths
2,128
Sq Ft
1979
Built
What stands out
- Waterfront — River Front, Marsh
- River views
- Garage parking
- Outdoor living: Deck, Covered, Front Porch
- No HOA
- 0.76-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
Experience magnificent marsh & May River views from this delightful 2-story cottage with a screened porch & deck. The bright kitchen features quartz countertops, white cabinets, & stainless-steel appliances. Relax in the living room with double sliding glass doors opening to a large rear deck with river views and moss-draped oaks. The owner's suite offers an oversized walk-in shower & custom vanity. Two additional bedrooms, a guest bath, & laundry complete the main level, while the lower level features a comfortabl…
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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 2026-07-09 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$5,796–$6,031/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 $995,000 price, 20% down, 6.49% 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 $4,479/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
- 2,128 sq ft
- Flooring
- Tile, Wood
- Appliances
- Microwave, Dishwasher, Refrigerator, Disposal, Dryer, Washer
- Heating
- Electric, Heat Pump, Central
- Cooling
- Electric, Central Air
- Interior Features
- Ceiling Fan(s), Elevator
Exterior & Lot
- Lot Size
- 0.76 acres
- Roof
- Other
- Parking
- Detached, Garage
- Carport
- 2 spaces
- Porch / Patio
- Deck, Covered, Front Porch
- View
- River
- Waterfront
- River Front, Marsh
Utilities
- Water
- Private
- Sewer
- Septic Tank
- Utilities
- Water Available
Community & HOA
- HOA
- None
Financial & Terms
- List Price
- $995,000
- Price / Sq Ft
- $468
- Annual Taxes
- $4,479
- Financing Accepted
- Conventional, Cash
- Zoning
- Residential
Listing activity
On the market for 87 days — and previously listed before this run (217 days across all listings).
Status: Active
Jun 22, 2026
Back On Market
Jun 22, 2026
Came on market
Jun 22, 2026
Listed for sale
Apr 13, 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 |
|---|---|---|---|
| 7 Lakeside Drive, Bluffton, SC 299104 bd · 1,938 sqft | $540,000 | $279 | Jun 2026 |
| 10 Benton Circle, Bluffton, SC 299104 bd · 2,344 sqft | $485,000 | $207 | Jun 2026 |
| 239 Hulston Landing Road, Bluffton, SC 299094 bd · 2,386 sqft | $525,000 | $220 | Jun 2026 |
| 57 Mainland Lakes Drive, Bluffton, SC 299104 bd · 2,438 sqft | $508,000 | $208 | Jun 2026 |
| 169 Pinecrest Drive, Bluffton, SC 299103 bd · 2,244 sqft | $555,000 | $247 | Jun 2026 |
Recent closed sales of similar homes nearby (this list price is $995,000). 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
12 Pine Island Road, Bluffton, SC 29910
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
~17.8 mi
Bluffton
~1.8 mi
Hilton Head Island
~5.1 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 William Weis, Collins Group Realty.
Listing data last updated June 26, 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.