$1,150,000
$554/sq ft45 Bay Point Road · St. Helena Island, SC 29920
3
Beds
3.5
Baths
2,074
Sq Ft
1955
Built
What stands out
- Waterfront — Deep Water (Three Ft Min)
- River, Water views
- Outdoor living: Screened Porch, Porch
- Fenced yard
- No HOA
- Accepts VA financing
- 0.68-acre lot
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
Nestled in a rare coastal setting of Lands End, 45 Bay Pt presents a unique deep-water opportunity to own a stunning property with a private dock and two lots totaling nearly an acre. Positioned on the picturesque southwestern shore of St. Helena Island, this property boasts approximately 250 feet of deep-water frontage along the Beaufort River and Port Royal Sound. Whether you are looking to renovate, reimagine, or rebuild, the existing infrastructure this provides a foundation for something truly special. You can…
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
$8,061/mo
This is an estimate for planning only — not a loan quote or commitment to lend. Assumes a $1,150,000 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. SC property tax varies by district and owner-occupancy status. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 3
- Full Baths
- 3
- Half Baths
- 1
- Living Area
- 2,074 sq ft
- Levels
- Two
- Flooring
- Carpet, Vinyl
- Appliances
- Electric Range, Microwave, Refrigerator
- Heating
- Heat Pump
- Cooling
- Heat Pump
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Lot Size
- 0.68 acres
- Construction
- Cedar
- Foundation
- Crawl
- Roof
- Composition
- Porch / Patio
- Screened Porch, Porch
- Fencing
- Partial
- View
- River, Water
- Waterfront
- Deep Water (Three Ft Min)
- Exterior Features
- Boat Lift
Utilities
- Water
- Public
- Sewer
- Septic Tank
Community & HOA
- HOA
- None
Financial & Terms
- List Price
- $1,150,000
- Price / Sq Ft
- $554
- Financing Accepted
- Conventional, Va Loan, Cash
- Zoning
- Residential
Listing activity
On the market for 465 days.
Status: Active
Apr 30, 2026
Back On Market
Apr 30, 2026
Came on market
Apr 30, 2026
Listed for sale
Mar 14, 2025
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 |
|---|---|---|---|
| 210 Cotton Dike Road, St. Helena Island, SC 299203 bd · 2,120 sqft | $795,000 | $375 | Mar 2026 |
| 459 Bb Sams Drive, St. Helena Island, SC 299203 bd · 2,150 sqft | $480,000 | $223 | Apr 2026 |
| 1301 Rowland Drive, St. Helena Island, SC 299203 bd · 1,982 sqft | $525,000 | $265 | Apr 2026 |
| 203 Locust Fence Road, St. Helena Island, SC 299203 bd · 2,178 sqft | $560,000 | $257 | Mar 2026 |
| 809 Island Circle W, St. Helena Island, SC 299203 bd · 1,957 sqft | $739,000 | $378 | Mar 2026 |
Recent closed sales of similar homes nearby (this list price is $1,150,000). 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
45 Bay Point Road, 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
~9.7 mi
Bluffton
~13.2 mi
Hilton Head Island
~8.2 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 Trudy Arthur, Lowcountry Real Estate.
Listing data last updated May 29, 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.