$399,000
$373/sq ft5 Cedar Reef Drive · Harbor Island, SC 29920
2
Beds
2.5
Baths
1,069
Sq Ft
1980
Built
What stands out
- Waterfront — Ocean Front
- 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 bright and airy ocean front villa will be perfect for your next family vacation. It offers all the conveniences of home while at the beach. The main floor is an open space with tons of natural light. Walk out onto the deck and breathe in the salty sea air and relax. Whether you are in the living room enjoying a movie on the flat screen tv or preparing dinner in the kitchen, you can overlook the dunes and enjoy the pristine view of the Atlantic. The kitchen is fully equipped for all your cooking needs. The ful…
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 2026-07-09 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$3,007–$3,242/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 $399,000 price, 0% down, 6.49% 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 $5,067/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
- 1,069 sq ft
- Flooring
- Tile, Laminate
- Appliances
- Electric Range, Microwave, Dishwasher, Refrigerator, Disposal, Vent Exhaust Fan, Cable TV/Available, Dryer, Washer, Furnished
- Heating
- Heat Pump
- Cooling
- Heat Pump
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Construction
- Frame, Cedar
- Foundation
- Elevated
- Roof
- Composition
- Parking
- Additional Parking, Asphalt, Common
- Carport
- 2 spaces
- Porch / Patio
- Deck
- Waterfront
- Ocean Front
- Exterior Features
- Thermo-Panes
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA Fee
- $1,685 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $399,000
- Price / Sq Ft
- $373
- Annual Taxes
- $5,067
- Financing Accepted
- Contract, Conventional, Fha, Rural Development/usda, Va Loan, Cash
- Zoning
- PUD
Listing activity
On the market for 367 days.
Price Reduced
Apr 17, 2026
Status: Active
Jul 13, 2025
Came on market
Jul 13, 2025
Listed for sale
Jul 11, 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 |
|---|---|---|---|
| 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 $399,000). 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
5 Cedar Reef Drive D213, 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 Gregory J. Bennett, Beaufort Realty Consultants.
Listing data last updated June 20, 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.