$49,000
23 River Marsh Lane · Okatie, SC 29909
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.
What to know about this home
- This is a vacant lot in an AE flood zone (Special Flood Hazard Area), which means flood insurance will be required if you use a federally backed mortgage to finance any future construction.
- The lot has been on the market for roughly 803 days under this listing, and across prior listings the cumulative days on market total about 1,326 — worth asking why it hasn't sold.
- There are not enough comparable closed sales in the data to judge whether $49,000 is a fair price, so independent research or a local agent's opinion is worth getting before you move.
- The irregular lot shape (175x29x193x63x89) is unusual and narrow in places — you'd want to confirm what can actually be built here with Beaufort County before getting too far along.
- Property taxes are estimated at around $245/year for an owner-occupant at the SC 4% ratio — a low carrying cost, but that's an estimate, not a guarantee.
- For military buyers at MCAS Beaufort or Parris Island, straight-line distances are 12 and 9.5 miles respectively — workable, but call (843) 473-7447 to talk through VA construction loan options, since VA financing on raw land has specific rules.
An honest read generated from this listing's own data (price, flood zone, history, estimates) — not marketing copy. Dollar figures are estimates. Anything not in the data, we verify with you.
Listing description
Build your dream home on this .36 acre corner homesite in the coveted Club Cottage Section of Callawassie Island. Overlooking the newly renovated Dogwood #4 with an abundance of privacy from the beautifully maintained landscaping and woods beyond. Near to all of Callawassie's amenities! Experience the unparalleled island lifestyle of Callawassie. 24/7 Secured Gate, 2 Heated/Cooled Pools, Deep Water Docks, Dining, Fitness Facility, Tennis, Pickleball, & 27 holes designed by Tom Fazio (Optional). Club Cottages are…
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 2026-06-18 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$347–$582/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 $49,000 price, 20% down, 6.47% 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 $534/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Exterior & Lot
- Lot Size
- 175x29x193x63x89
Utilities
- Water
- Public
- Utilities
- Cable Available
Community & HOA
- HOA
- Yes (fee not listed)
Financial & Terms
- List Price
- $49,000
- Annual Taxes
- $534
- Financing Accepted
- Cash, Conventional
- Zoning
- Residential
Listing activity
On the market for 803 days — and previously listed before this run (1326 days across all listings).
Price Reduced
Jan 22, 2026
Status: Active
Oct 21, 2025
Came on market
Oct 21, 2025
Listed for sale
Feb 19, 2024
Source: Lowcountry Regional MLS. Price-change dates are shown without prior amounts; contact us for the complete history.
Ask 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
23 River Marsh Lane, Okatie, SC 29909
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
~12.5 mi
Bluffton
~6.6 mi
Hilton Head Island
~9.7 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 Candace Crosby, Coastal R. E. Solutions II.
Listing data last updated January 22, 2026.
Listing data provided by the Lowcountry Regional MLS. Information is deemed reliable but not guaranteed. All measurements are approximate.