$1,050,000
$421/sq ft86 Harbor Drive · Harbor Island, SC 29920
3
Beds
3
Baths
2,493
Sq Ft
1984
Built
What stands out
- Waterfront — Ocean Front
- Water views
- Attached garage
- Fireplace
- 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
ACTIVE SHORT-TERM RENTAL OPPORTUNITY - Directly on the sand in the gated beach community of Harbor Island, this turnkey 3-bed/3-bath home offers 2,493 sq ft of living space on a 0.26-acre lot, with ocean-front exposure and a very strong rental history. From the raised foundation, you'll enter into a light-filled coastal retreat with panoramic Atlantic views, updated finishes throughout including quartzite countertops, new paint, and a freshly replaced roof, HVAC and water heater — all designed for low-maintenance o…
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)
$7,439–$7,674/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 $1,050,000 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 $10,671/yr — that reflects the present owner's assessment, which may differ from yours. Confirm every figure with a licensed lender.
Facts & features
Interior
- Bedrooms
- 3
- Full Baths
- 3
- Living Area
- 2,493 sq ft
- Levels
- Two
- Flooring
- Tile, Wood
- Appliances
- Electric Range, Microwave, Dishwasher, Refrigerator, Disposal, Ice Maker, Vent Exhaust Fan, Fireplace/Equipment, Cable TV/Available, Dryer, Washer
- Heating
- Electric, Zoned, Ductless, Central
- Cooling
- Electric, Zoned, Ductless, Central Air
- Fireplace
- 1
- Water Heater
- Electric
- Interior Features
- Ceiling Fan(s)
Exterior & Lot
- Lot Size
- 0.26 acres
- Construction
- HardiPlank Type
- Foundation
- Elevated
- Roof
- Composition
- Parking
- Attached, Garage, Golf Cart Garage
- Porch / Patio
- Deck
- View
- Water
- Waterfront
- Ocean Front
- Exterior Features
- Storage, Rain Gutters
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA
- Yes (fee not listed)
Financial & Terms
- List Price
- $1,050,000
- Price / Sq Ft
- $421
- Annual Taxes
- $10,671
- Financing Accepted
- Conventional, Fha, Va Loan, Cash
- Zoning
- Residential
Listing activity
On the market for 169 days.
Status: Active
Jun 12, 2026
Back On Market
Jun 12, 2026
Came on market
Jun 12, 2026
Listed for sale
Nov 20, 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 |
|---|---|---|---|
| 158 Harbor Drive N, Harbor Island, SC 299203 bd · 2,360 sqft | $1,225,800 | $519 | Jun 2026 |
| 120 Harbor Drive N, Harbor Island, SC 299204 bd · 2,598 sqft | $1,435,000 | $552 | Apr 2026 |
| 18 Sand Dollar Court, Harbor Island, SC 299204 bd · 2,700 sqft | $1,110,000 | $411 | Mar 2026 |
| 30 Lakeview Lane, Harbor Island, SC 299203 bd · 1,875 sqft | $649,000 | $346 | May 2026 |
| 71 Harbour Key Drive, Harbor Island, SC 299203 bd · 1,800 sqft | $540,000 | $300 | Jun 2026 |
Recent closed sales of similar homes nearby (this list price is $1,050,000). 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
86 Harbor Drive N, 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
~13.8 mi
Bluffton
~27.6 mi
Hilton Head Island
~22.9 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 Amanda S Jones, Greco Group Brokered by eXp.
Listing data last updated July 7, 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.