$240,000
51 Harbor River Circle · St. Helena Island, SC 29920
What stands out
- Waterfront — River Front, Lagoon
- River, Water views
- No HOA
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 to build your dream home in the peaceful setting of Horse Island, a non-gated community that's a step back in time yet only minutes from Hunting Island beaches, shopping and dining. This beautiful lot includes a 4.61-ac homesite and separate 1/3-ac lot on the Harbor River, offering the potential to apply for a private dock. The primary homesite features an approved 4-bedroom septic permit and enjoys partial ownership of a serene saltwater lagoon complete with a walking path that allows you access…
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 2026-07-30 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$1,469–$1,704/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 $240,000 price, 20% down, 6.66% 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 $4,862/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Exterior & Lot
- Lot Size
- see closing plat/survey
- View
- River, Water
- Waterfront
- River Front, Lagoon
Utilities
- Water
- Public
- Utilities
- Septic Permit, Water Available
Community & HOA
- HOA
- None
Financial & Terms
- List Price
- $240,000
- Annual Taxes
- $4,862
- Financing Accepted
- Cash, Conventional, 1031 Exchange
- Zoning
- Rural
Listing activity
On the market for 52 days.
Status: Active
Jul 31, 2026
Back On Market
Jul 31, 2026
Came on market
Jul 31, 2026
Listed for sale
May 14, 2026
Source: Lowcountry Regional MLS. Price-change dates are shown without prior amounts; contact us for the complete history.
Ask 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
51 Harbor River Circle, 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
~10.6 mi
Bluffton
~24.2 mi
Hilton Head Island
~19.7 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 Gloria J Kurz, Mansions & Manors.
Listing data last updated July 31, 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.