$269,000
$111/sq ft45 Chowan Creek Bluff · St. Helena Island, SC 29920
4
Beds
3
Baths
2,432
Sq Ft
2003
Built
What stands out
- Rural views
- Single-level living
- Fireplace
- Outdoor living: Deck
- Fenced yard
- No HOA
- Accepts VA financing
- 0.53-acre lot
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
Beautiful 4 bed 3 bath with large bedrooms and open floor plan waiting for it's new owner! Shed included. Partially fenced in.
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 2026-09-10 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$2,002–$2,237/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 $269,000 price, 0% down, 6.76% 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 $445/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 4
- Full Baths
- 3
- Living Area
- 2,432 sq ft
- Levels
- One
- Flooring
- Luxury Vinyl
- Appliances
- Microwave, Refrigerator, Built-In Electric Oven
- Heating
- Central
- Cooling
- Electric, Central Air
- Fireplace
- 1
- Water Heater
- Electric
Exterior & Lot
- Lot Size
- 0.53 acres
- Construction
- Vinyl Siding
- Foundation
- Crawl
- Roof
- Metal
- Porch / Patio
- Deck
- Fencing
- Partial
- View
- Rural
Utilities
- Water
- Public
- Sewer
- Septic Tank
Community & HOA
- HOA
- None
Financial & Terms
- List Price
- $269,000
- Price / Sq Ft
- $111
- Annual Taxes
- $445
- Financing Accepted
- Conventional, Fha, Rural Development/usda, Va Loan, Cash
- Zoning
- Residential
Listing activity
On the market for 1 day.
Status: Active
Sep 17, 2026
New Listing
Sep 17, 2026
Listed for sale
Sep 17, 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 |
|---|---|---|---|
| 347 Westbrook Road, St. Helena Island, SC 299204 bd · 2,404 sqft | $675,000 | $281 | Jun 2026 |
| 220 Cotton Dike Road, St. Helena Island, SC 299204 bd · 2,545 sqft | $995,000 | $391 | Jul 2026 |
| 403 Bb Sams Drive, St. Helena Island, SC 299204 bd · 2,635 sqft | $850,000 | $323 | Sep 2026 |
| 670 S Reeve Road, St. Helena Island, SC 299204 bd · 2,635 sqft | $850,000 | $323 | Jul 2026 |
| 629 S Reeve Road, St. Helena Island, SC 299204 bd · 2,635 sqft | $849,900 | $323 | May 2026 |
Recent closed sales of similar homes nearby (this list price is $269,000). 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 Chowan Creek Bluff, 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
~3.5 mi
Bluffton
~17.6 mi
Hilton Head Island
~14.5 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 Tasha Smith, Howard Hanna Allen Tate Lowcou.
Listing data last updated September 17, 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.