$509,900
$674/sq ft705 Ocean Cottage · Fripp Island, SC 29920
1
Beds
1.5
Baths
756
Sq Ft
1994
Built
What stands out
- Waterfront — Ocean Front
- Ocean views
- Fireplace
- Private pool
- Outdoor living: Deck, Porch
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
Spectacular OCEANFRONT cottage with breathtaking sunrises and moonrises, with limitless views of the Atlantic Ocean. Beautifully updated with gleaming wood floors, stainless steel appliances, granite countertop and much more. Two oceanfront decks.This turnkey opportunity is offered fully furnished and tastefully decorated. Enjoy the exclusive uncrowded community swimming pool. Just steps away from the Ocean Point Grille, Golf Course and driving range.
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 (with flood)
$3,112–$3,347/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 $509,900 price, 20% 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
- 1
- Full Baths
- 1
- Half Baths
- 1
- Living Area
- 756 sq ft
- Levels
- Two
- Flooring
- Tile, Wood
- Appliances
- Electric Range, Microwave, Dishwasher, Refrigerator, Disposal, Cable TV/Available, Dryer, Washer, Furnished
- Heating
- Heat Pump
- Cooling
- Heat Pump
- Fireplace
- 1
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Lot Size
- 0.02 acres
- Construction
- Frame, HardiPlank Type
- Foundation
- Elevated
- Roof
- Metal
- Porch / Patio
- Deck, Porch
- Pool
- In Ground, Community
- View
- Ocean
- Waterfront
- Ocean Front
- Exterior Features
- Thermo-Panes, Hot Tub
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA Fee
- $1,387.76 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $509,900
- Price / Sq Ft
- $674
- Financing Accepted
- Conventional, Cash
- Zoning
- PUD
Listing activity
On the market for 161 days.
Price Reduced
May 28, 2026
Status: Active
Jan 16, 2026
Listed for sale
Jan 16, 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 |
|---|---|---|---|
| 728 N Hampton Court 728, Fripp Island, SC 299201 bd · 800 sqft | $359,900 | $450 | Apr 2026 |
| 195 Beach Club Villa Drive 195, Fripp Island, SC 299202 bd · 908 sqft | $335,000 | $369 | Apr 2026 |
| 159 Beach Club Villa Drive 159, Fripp Island, SC 299202 bd · 940 sqft | $345,000 | $367 | Feb 2026 |
| 160 Beach Club Villa Drive 160, Fripp Island, SC 299202 bd · 940 sqft | $350,000 | $372 | Oct 2025 |
| 175 Beach Club Villa, Fripp Island, SC 299202 bd · 940 sqft | $350,000 | $372 | Sep 2025 |
Recent closed sales of similar homes nearby (this list price is $509,900). 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
705 Ocean Cottage 705, Fripp 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
~14.6 mi
Bluffton
~24.5 mi
Hilton Head Island
~19 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 Charles Patty, Fripp Island Real Estate Co.
Listing data last updated May 28, 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.