$549,000
$270/sq ft20 Toppin Drive · Hilton Head Island, SC 29926
2
Beds
2
Baths
2,030
Sq Ft
1988
Built
What stands out
- Waterfront — Pond
- Pond views
- Garage parking
- Fireplace
- Private pool
- Outdoor living: Deck
Highlights are generated from the property's MLS facts. See the full listing description and details below.
FEMA Zone X — outside the high-risk area but within the 0.2% annual-chance (500-year) floodplain. Flood insurance is not federally required but is often inexpensive here.
Source: FEMA National Flood Hazard Layer.
Listing description
Incredible setting, exceptional water views of Night Heron Pond, an endless display of Lowcountry wildlife, and a well-built Moss Creek home that's thoughtfully priced with updates in mind. Welcome to your coastal retreat! This 2-bedroom home features an upstairs loft and generous, wide-open, walk-in attic spaces with potential for future expansion. Take your morning coffee to the rear deck while an abundance of sea, land, and creatures of the air steal the show. Want to stay indoors? Then soak in the scenery throu…
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 2026-10-22 — a benchmark, not your rate.
Estimated all-in monthly
$4,137/mo
This is an estimate for planning only — not a loan quote or commitment to lend. Assumes a $549,000 price, 20% down, 7.32% 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 $5,063/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
- 2
- Living Area
- 2,030 sq ft
- Flooring
- Tile, Brick, Slate
- Appliances
- Microwave, Dishwasher, Refrigerator, Disposal, Wet-Bar, Dryer, Washer
- Heating
- Electric, Heat Pump, Central
- Cooling
- Electric, Heat Pump, Central Air
- Fireplace
- 1
Exterior & Lot
- Lot Size
- 0.13 acres
- Parking
- Driveway, Garage
- Porch / Patio
- Deck
- Pool
- Community
- View
- Pond
- Waterfront
- Pond
Community & HOA
- HOA Fee
- $8,775 / annually
Financial & Terms
- List Price
- $549,000
- Price / Sq Ft
- $270
- Annual Taxes
- $5,063
- Financing Accepted
- Conventional, Cash
- Zoning
- Residential
Listing activity
On the market for 1 day.
Status: Active
Oct 22, 2026
New Listing
Oct 22, 2026
Came on market
Oct 22, 2026
Listed for sale
Oct 15, 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 |
|---|---|---|---|
| 21 Calibogue Cay Road 378, Hilton Head Island, SC 299282 bd · 1,999 sqft | $939,000 | $470 | Jul 2026 |
| 50 Oyster Landing, Hilton Head Island, SC 299282 bd · 2,104 sqft | $1,256,000 | $597 | Aug 2026 |
| 63 Shipyard Drive 1702, Hilton Head Island, SC 299282 bd · 1,730 sqft | $690,000 | $399 | Oct 2026 |
| 61 Hammock Oaks Circle, Hilton Head Island, SC 299263 bd · 2,029 sqft | $700,000 | $345 | Sep 2026 |
| 9 Shelter Cove Lane 304, Hilton Head Island, SC 299282 bd · 1,705 sqft | $1,085,000 | $636 | Aug 2026 |
Recent closed sales of similar homes nearby (this list price is $549,000). Selected by size, beds, and recency from the MLS — a quick read, not a formal appraisal or CMA.
Get a full comparative market analysisQuestions about this home?
Ask a local agent — we'll get back to you with real answers, usually same day.
Location
20 Toppin Drive, Hilton Head Island, SC 29926
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
~14.4 mi
Bluffton
~3.4 mi
Hilton Head Island
~4.4 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 Gregory John, William Raveis - Carolina LLC.
Listing data last updated October 22, 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.