$425,000
$459/sq ft1312 Congress Street · Beaufort, SC 29902
2
Beds
1
Baths
926
Sq Ft
1959
Built
What stands out
- Other views
- Single-level living
- No HOA
Highlights are generated from the property's MLS facts. See the full listing description and details below.
FEMA Zone X — minimal flood hazard. Flood insurance is not federally required (lenders may still recommend a low-cost preferred policy).
Source: FEMA National Flood Hazard Layer.
Listing description
Charm Meets Modern Comfort in Historic Downtown Beaufort! This meticulously renovated 2 bedroom, 1 bath cottage, nestled in the heart of historic downtown Beaufort, offers the perfect blend of classic charm and contemporary upgrades. This home has been completely transformed from top to bottom. Enjoy peace of mind with a new roof, new stucco exterior, and new windows, ensuring efficiency and curb appeal. The essential systems have also been updated with new electrical and new plumbing throughout. Inside, discover a…
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
$2,493/mo
This is an estimate for planning only — not a loan quote or commitment to lend. Assumes a $425,000 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 $3,231/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 2
- Full Baths
- 1
- Living Area
- 926 sq ft
- Levels
- One
- Flooring
- Tile, Wood
- Appliances
- Electric Range, Refrigerator, Disposal
- Heating
- Central
- Cooling
- Central Air
Exterior & Lot
- Lot Size
- 0.28 acres
- Construction
- Block, Stucco
- Foundation
- Crawl
- Parking
- On Site, Parking Pad
- View
- Other
- Exterior Features
- Rain Gutters
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA
- None
Financial & Terms
- List Price
- $425,000
- Price / Sq Ft
- $459
- Annual Taxes
- $3,231
- Zoning
- Residential
Listing activity
On the market for 3 days.
Status: Active
Aug 11, 2026
New Listing
Aug 11, 2026
Listed for sale
Aug 11, 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 |
|---|---|---|---|
| 1506 Duke Street, Beaufort, SC 299022 bd · 960 sqft | $260,000 | $271 | Jul 2026 |
| 2700 North Street, Beaufort, SC 299022 bd · 996 sqft | $310,000 | $311 | Jul 2026 |
| 351 Brickyard Point Road N, Beaufort, SC 299072 bd · 840 sqft | $275,000 | $327 | Aug 2026 |
| 268 Admiration Avenue, Beaufort, SC 299062 bd · 1,092 sqft | $259,900 | $238 | May 2026 |
| 2609 Joshua Circle, Beaufort, SC 299022 bd · 1,108 sqft | $265,000 | $239 | Jul 2026 |
Recent closed sales of similar homes nearby (this list price is $425,000). 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
1312 Congress Street, Beaufort, SC 29902
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
~0.6 mi
Bluffton
~17.6 mi
Hilton Head Island
~16 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 Thomas Davis, Abode Real Estate Group LLC.
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.