$255,000
$357/sq ft2 Harbor Drive · St. Helena Island, SC 29920
1
Beds
1.5
Baths
714
Sq Ft
1985
Built
What stands out
- Waterfront — Ocean Front
- Ocean views
- Outdoor living: Screened 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
Breathe in the salt air and slow down to the rhythm of the tides. This fully furnished, ocean view 1-bedroom condo on Harbor Island invites you to unwind—whether you're seeking a personal retreat or a ready-made investment property. Enjoy long beach walks at sunrise, afternoons reading on the screened porch, and evenings listening to the steady, calming surf. Located in a private, gated community with exceptional amenities, including multiple pools, tennis and pickleball courts, fitness center, nature trails, 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 2026-07-09 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$1,674–$1,909/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 $255,000 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. SC property tax varies by district and owner-occupancy status. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 1
- Full Baths
- 1
- Half Baths
- 1
- Living Area
- 714 sq ft
- Flooring
- Tile, Laminate
- Appliances
- Microwave, Dishwasher, Refrigerator, Vent Exhaust Fan, Electric Air Filter, Cable TV/Available
- Heating
- Heat Pump
- Cooling
- Heat Pump
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Construction
- Cedar
- Foundation
- Elevated
- Roof
- Composition
- Porch / Patio
- Screened Porch
- View
- Ocean
- Waterfront
- Ocean Front
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA Fee
- $1,679.15 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $255,000
- Price / Sq Ft
- $357
- Financing Accepted
- Conventional, Cash
- Zoning
- PUD
Listing activity
On the market for 250 days.
Status: Active
May 7, 2026
Status Change
May 7, 2026
Came on market
May 7, 2026
Listed for sale
Nov 5, 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 |
|---|---|---|---|
| 2 Harbor Drive N L103, St. Helena Island, SC 299201 bd · 714 sqft | $234,000 | $328 | Sep 2025 |
| 2 Harbor Drive N L201, St. Helena Island, SC 299201 bd · 690 sqft | $235,000 | $341 | May 2026 |
| 119 Tomahawk Trail, St. Helena Island, SC 299202 bd · 810 sqft | $240,000 | $296 | Dec 2025 |
| 115 Peaches Hill Circle, St. Helena Island, SC 299202 bd · 872 sqft | $135,000 | $155 | Jul 2025 |
Recent closed sales of similar homes nearby (this list price is $255,000). 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
2 Harbor Drive L205, 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
~27.6 mi
Hilton Head Island
~22.9 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 Shae Chambers Helms, Keller Williams.
Listing data last updated June 22, 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.