$389,000
$279/sq ft45 Dr Martin Luther King Jr Drive · St. Helena Island, SC 29920
3
Beds
1
Baths
1,396
Sq Ft
1940
Built
What stands out
- Waterfront — Tidal Creek
- Fireplace
- Outdoor living: Screened Porch, Porch
- No HOA
- 10.39-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
Rare Opportunity on Historic St. Helena Island! Located near the historic Penn Center, this 10.39-acre property (3.79) acres accessible) offers marsh and tidal creek frontage in back and marsh views across the front. A Craftsman-style 3BR bungalow features a screened porch, fireplace, built-ins, and decorative columns. Sold ''as-is'', this home is ready for renovation to create your ideal Lowcountry retreat. Mostly cleared with a beautiful grove of Live Oaks, this property combines charm, history, and natural beau…
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 2026-10-08 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$2,495–$2,730/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 $389,000 price, 20% down, 7.4% 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
- 1
- Living Area
- 1,396 sq ft
- Flooring
- Carpet, Wood, Vinyl
- Appliances
- Electric Range, Refrigerator, Cable TV/Available, Dryer, Washer
- Heating
- Electric, Heat Pump, Central
- Cooling
- Electric, Heat Pump, Central Air
- Fireplace
- 1
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Lot Size
- 10.39 acres
- Construction
- Frame, Vinyl Siding, Lap Siding, Plaster
- Foundation
- Crawl
- Roof
- Composition
- Parking
- Carport, Driveway
- Carport
- 1 space
- Porch / Patio
- Screened Porch, Porch
- Waterfront
- Tidal Creek
- Exterior Features
- Thermo-Panes
Utilities
- Water
- Public
- Sewer
- Septic Tank
Community & HOA
- HOA
- None
Financial & Terms
- List Price
- $389,000
- Price / Sq Ft
- $279
- Financing Accepted
- Conventional, Cash
- Zoning
- Rural
Listing activity
On the market for 110 days.
Status: Active Under Contract
Jan 25, 2026
Status Change
Jan 25, 2026
Came on market
Oct 8, 2025
Listed for sale
Sep 18, 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 |
|---|---|---|---|
| 50 Sea Pines Drive, St. Helena Island, SC 299203 bd · 1,344 sqft | $370,000 | $275 | Sep 2026 |
| 2 Indian Head Trail, St. Helena Island, SC 299203 bd · 1,287 sqft | $425,000 | $330 | Jun 2026 |
| 25 Hidden Oaks Road, St. Helena Island, SC 299203 bd · 1,200 sqft | $145,000 | $121 | Aug 2026 |
| 23 Horse Island Road, St. Helena Island, SC 299203 bd · 1,600 sqft | $140,000 | $88 | Aug 2026 |
| 42 Canopy Lane, St. Helena Island, SC 299204 bd · 1,370 sqft | $355,000 | $259 | Jul 2026 |
Recent closed sales of similar homes nearby (this list price is $389,000). Selected by size, beds, and recency from the MLS — a quick read, not a formal appraisal or CMA.
Get a full comparative market analysisQuestions about this home?
Ask a local agent — we'll get back to you with real answers, usually same day.
Location
45 Dr Martin Luther King Jr Drive, 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
~6.1 mi
Bluffton
~19.8 mi
Hilton Head Island
~16 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 Terrance Green, The HomesFinder Realty Group.
Listing data last updated April 27, 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.