$314,900
$391/sq ft4 Cedar Reef Drive · Harbor Island, SC 29920
1
Beds
1.5
Baths
806
Sq Ft
1980
Built
What stands out
- Ocean, Water views
- Private pool
- Outdoor living: Rear 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
Fully furnished 1st floor end 1BR/1.5B. Includes updated window treatments, kitchen appliances, washer and dryer, and patio furniture. Newly built patio decking and renovated exterior siding (2022) New roof (2023). Upgraded lighting fixtures. Updated hurricane slider doors & windows. Tile throughout. Cast iron tub and tiled shower. Enamel coated cast iron kitchen sink. Updated kitchen cabinets. Upgraded interior doors and trim. Front screen door. Marsh, beach, Hunting Island views. Harbor Island amenities include 3…
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)
$1,875–$2,110/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 $314,900 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. 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
- 806 sq ft
- Flooring
- Tile
- Appliances
- Microwave, Dishwasher, Refrigerator, Disposal, Dryer, Washer
- Heating
- Electric, Central
- Cooling
- Electric, Heat Pump, Central Air
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Lot Size
- 0
- Construction
- Board & Batten Siding
- Roof
- Composition, Other
- Parking
- Unassigned
- Porch / Patio
- Rear Porch
- Pool
- In Ground, Community
- View
- Ocean, Water
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA
- Yes (fee not listed)
- Regime Fee
- Yes
Financial & Terms
- List Price
- $314,900
- Price / Sq Ft
- $391
- Financing Accepted
- Conventional, Cash
- Zoning
- Residential/Commercial
Listing activity
On the market for 150 days.
Status: Active
Jan 27, 2026
New Listing
Jan 27, 2026
Listed for sale
Jan 27, 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 K101, Harbor Island, SC 299201 bd · 806 sqft | $327,750 | $407 | Jun 2026 |
| 2 Cedar Reef Drive A103, Harbor Island, SC 299201 bd · 806 sqft | $294,000 | $365 | Jul 2025 |
| 3 Cedar Reef E101, Harbor Island, SC 299201 bd · 794 sqft | $335,000 | $422 | May 2026 |
| 1 Cedar Reef F102, Harbor Island, SC 299201 bd · 794 sqft | $285,000 | $359 | Apr 2026 |
| 2 Harbor Drive N L106, Harbor Island, SC 299201 bd · 714 sqft | $210,000 | $294 | Jan 2026 |
Recent closed sales of similar homes nearby (this list price is $314,900). 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
4 Cedar Reef Drive B101, 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
- 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 Susan Schiavon, RE/MAX Island Realty Inc..
Listing data last updated January 28, 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.