$850,000
$389/sq ft8 Windjammer Lane · Harbor Island, SC 29920
4
Beds
3.5
Baths
2,186
Sq Ft
1995
Built
What stands out
- Waterfront — Lagoon
- Neighborhood, Ocean, Water views
- Garage parking
- Outdoor living: Screened Porch, Front Porch
- 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
Welcome to your own private coastal retreat on Harbor Island. Tucked away at the end of a quiet cul-de-sac, this beautifully renovated home offers breathtaking views of the salt marsh, lagoon, and Atlantic Ocean from both levels, including expansive rear porches designed to capture the beauty of the Lowcountry. Enjoy stunning sunsets from the sunroom, porches, and several bedrooms, creating a serene backdrop for everyday living. Featuring four spacious bedrooms, this home provides ample room for family and guests,…
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 2026-08-13 — a benchmark, not your rate.
Estimated all-in monthly (with flood)
$6,135–$6,370/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 $850,000 price, 0% down, 6.67% 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
- 4
- Full Baths
- 3
- Half Baths
- 1
- Living Area
- 2,186 sq ft
- Levels
- Two
- Flooring
- Luxury Vinyl
- Appliances
- Electric Range, Microwave, Dishwasher, Refrigerator, Cable TV/Available
- Heating
- Heat Pump
- Cooling
- Heat Pump
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s), Double Vanity
Exterior & Lot
- Lot Size
- 0.16 acres
- Construction
- Frame, Lap Siding
- Foundation
- Elevated
- Roof
- Metal
- Parking
- Garage, Garage Faces Front
- Porch / Patio
- Screened Porch, Front Porch
- View
- Neighborhood, Ocean, Water
- Waterfront
- Lagoon
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA Fee
- $1,797
Financial & Terms
- List Price
- $850,000
- Price / Sq Ft
- $389
- Financing Accepted
- Conventional, Va Loan, Cash
- Zoning
- Residential
Listing activity
On the market for 3 days.
Status: Active
Aug 17, 2026
New Listing
Aug 17, 2026
Listed for sale
Aug 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 |
|---|---|---|---|
| 45 S Harbor Drive A, Harbor Island, SC 299204 bd · 1,968 sqft | $721,000 | $366 | Nov 2025 |
| 108 Harbor Drive N, Harbor Island, SC 299204 bd · 1,872 sqft | $759,000 | $405 | Aug 2025 |
| 120 Harbor Drive N, Harbor Island, SC 299204 bd · 2,598 sqft | $1,435,000 | $552 | Apr 2026 |
| 2 Nautical Watch Way, Harbor Island, SC 299204 bd · 1,736 sqft | $775,000 | $446 | May 2026 |
| 158 Harbor Drive N, Harbor Island, SC 299203 bd · 2,360 sqft | $1,225,800 | $519 | Jun 2026 |
Recent closed sales of similar homes nearby (this list price is $850,000). 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
8 Windjammer Lane, 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
~13.6 mi
Bluffton
~27.5 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 Christopher L. Skrip, RE/MAX Dream.
Listing data last updated August 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.