$370,000
$343/sq ft3 Cedar Reef Drive · Harbor Island, SC 29920
2
Beds
2.5
Baths
1,080
Sq Ft
1980
Built
What stands out
- Waterfront — Marsh
- Water views
- Private pool
- Outdoor living: Deck
- 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
This beautifully maintained furnished two-bedroom condo offers the perfect blend of comfort, views, & resort-style living. Overlooking the sparkling pool & lush green space, enjoy views of the St. Helena Sound in the distance. The main level features a bright & inviting living area, newer slider, newer windows, dining space, well-appointed kitchen, laundry, & convenient half bath. Step outside onto the newer private deck-the perfect spot for soaking in the ocean breeze & peaceful surroundings. Upstairs enjoy 2…
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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)
$2,805–$3,040/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 $370,000 price, 0% 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 $5,552/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
- Half Baths
- 1
- Living Area
- 1,080 sq ft
- Levels
- Two
- Flooring
- Carpet, Laminate
- Appliances
- Microwave, Dishwasher, Disposal, Vent Exhaust Fan, Cable TV/Available, Dryer, Washer, Furnished
- Heating
- Electric, Central
- Cooling
- Electric, Central Air
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s), Open Floorplan
Exterior & Lot
- Lot Size
- 0.12 acres
- Construction
- HardiPlank Type
- Foundation
- Elevated
- Roof
- Composition
- Parking
- Asphalt, Parking Lot
- Porch / Patio
- Deck
- Pool
- Community
- View
- Water
- Waterfront
- Marsh
Utilities
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Sewer Available, Water Available
Community & HOA
- HOA Fee
- $1,769.96 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $370,000
- Price / Sq Ft
- $343
- Annual Taxes
- $5,552
- Financing Accepted
- Conventional, Fha, Va Loan, Cash
- Zoning
- Residential
Listing activity
On the market for 45 days.
Status: Active
May 12, 2026
New Listing
May 12, 2026
Listed for sale
May 12, 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 |
|---|---|---|---|
| 4 Harbor Drive N K208, Harbor Island, SC 299202 bd · 1,080 sqft | $424,900 | $393 | May 2026 |
| 6 Cedar Reef Drive C205, Harbor Island, SC 299202 bd · 1,080 sqft | $59,000 | $55 | Oct 2025 |
| 4 Cedar Reef Drive K203, Harbor Island, SC 299202 bd · 1,080 sqft | $372,000 | $344 | Jul 2025 |
| 4 Cedar Reef Drive B204, Harbor Island, SC 299202 bd · 1,080 sqft | $385,000 | $356 | Jul 2025 |
| 6 N Harbor Drive M116, Harbor Island, SC 299202 bd · 1,150 sqft | $357,500 | $311 | May 2026 |
Recent closed sales of similar homes nearby (this list price is $370,000). 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
3 Cedar Reef Drive E-211, Harbor 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
~14 mi
Bluffton
~27.6 mi
Hilton Head Island
~22.8 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 Stephanie Guess Graham, BHHS Bay Street Realty.
Listing data last updated May 30, 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.