$219,999
$319/sq ft2 N Harbor Drive · St. Helena Island, SC 29920
1
Beds
1.5
Baths
690
Sq Ft
1985
Built
What stands out
- Ocean views
- Private pool
- Outdoor living: Screened Porch, Porch
- Accepts VA financing
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
Wake up to sweeping views of the Saint Helena Sound from this beautifully maintained villa on Harbor Island. One of the community's unique floor plans, this residence welcomes you with a spacious square foyer and an oceanside bedroom where water views greet you each morning. The screened porch provides the perfect place to enjoy spectacular sunrises, coastal breezes, and the peaceful rhythm of island life. Lovingly maintained by its original owner for more than 27 years and never offered as a rental, this fully…
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 2026-07-23 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$1,623–$1,858/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 $219,999 price, 0% down, 6.58% 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 $2,687/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 1
- Full Baths
- 1
- Half Baths
- 1
- Living Area
- 690 sq ft
- Flooring
- Carpet, Tile
- Appliances
- Microwave, Dishwasher, Refrigerator, Disposal, Vent Exhaust Fan, Cable TV/Available
- Heating
- Heat Pump
- Cooling
- Heat Pump
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Construction
- Frame
- Foundation
- Crawl
- Roof
- Composition
- Porch / Patio
- Screened Porch, Porch
- Pool
- In Ground, Community
- View
- Ocean
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA
- Yes (fee not listed)
- Regime Fee
- Yes
Financial & Terms
- List Price
- $219,999
- Price / Sq Ft
- $319
- Annual Taxes
- $2,687
- Financing Accepted
- Conventional, Fha, Va Loan, Cash
- Zoning
- Residential
Listing activity
On the market for 10 days.
Status: Active
Jul 22, 2026
New Listing
Jul 22, 2026
Came on market
Jul 22, 2026
Listed for sale
Jul 21, 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 |
|---|---|---|---|
| 2 Harbor Drive N L201, St. Helena Island, SC 299201 bd · 690 sqft | $235,000 | $341 | May 2026 |
| 2 Harbor Drive N L308, St. Helena Island, SC 299201 bd · 714 sqft | $252,000 | $353 | Jul 2026 |
| 2 Harbor Drive N L103, St. Helena Island, SC 299201 bd · 714 sqft | $234,000 | $328 | Sep 2025 |
| 119 Tomahawk Trail, St. Helena Island, SC 299202 bd · 810 sqft | $240,000 | $296 | Dec 2025 |
Recent closed sales of similar homes nearby (this list price is $219,999). 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 N Harbor Drive L301, 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
~13.4 mi
Bluffton
~26.8 mi
Hilton Head Island
~22.1 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
- VA loan fit, financing options, and your real monthly budget
- 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 Amanda S Jones, Greco Group Brokered by eXp.
Listing data last updated July 28, 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.