$609,000
$492/sq ft86 Harbour Key Drive · Harbor Island, SC 29920
2
Beds
2
Baths
1,238
Sq Ft
1997
Built
What stands out
- Waterfront — Lagoon
- Bridge(s), River, Trees/Woods, Water views
- Outdoor living: Screened Porch, Patio, 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
One of the cutest homes on Harbor Island and one of the original Harbour Key designs. This Key West inspired cottage has everything you need to have fun on an island paradise. Featuring an open floor plan with 2 bedrooms on first and large loft area on second set up with 3 beds that is perfect for kids. Large deck that wraps around two sides of the house that is nestled up to a tidal lagoon teaming with wildlife. Your views to Harbor River, lagoon and the new Harbor River bridge are simply stunning. Golf cart incl…
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)
$3,716–$3,951/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 $609,000 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. For reference, the current tax on record (MLS) is about $8,832/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
- Living Area
- 1,238 sq ft
- Levels
- Two
- Appliances
- Electric Range, Microwave, Dishwasher, Refrigerator, Disposal, Ice Maker, 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
- Lot Size
- 0.11 acres
- Construction
- Frame, Cedar
- Foundation
- Elevated
- Roof
- Metal
- Parking
- Carport
- Carport
- 2 spaces
- Porch / Patio
- Screened Porch, Patio, Deck, Porch
- View
- Bridge(s), River, Trees/Woods, Water
- Waterfront
- Lagoon
- Exterior Features
- Thermo-Panes
Utilities
- Water
- Public
- Sewer
- Public Sewer
Community & HOA
- HOA Fee
- $1,796 / annually
- Regime Fee
- Yes
Financial & Terms
- List Price
- $609,000
- Price / Sq Ft
- $492
- Annual Taxes
- $8,832
- Financing Accepted
- Conventional, Cash
- Zoning
- PUD
Listing activity
On the market for 69 days.
Status: Active
Apr 18, 2026
New Listing
Apr 18, 2026
Listed for sale
Apr 18, 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 |
|---|---|---|---|
| 6 N Harbor Drive M116, Harbor Island, SC 299202 bd · 1,150 sqft | $357,500 | $311 | May 2026 |
| 6 N Harbor Drive M317, Harbor Island, SC 299202 bd · 1,150 sqft | $435,000 | $378 | Apr 2026 |
| 6 Harbor Drive N M214, Harbor Island, SC 299202 bd · 1,150 sqft | $363,500 | $316 | Jan 2026 |
| 6 Harbor Drive N M115, Harbor Island, SC 299202 bd · 1,150 sqft | $335,000 | $291 | Sep 2025 |
| 4 Harbor Drive N K208, Harbor Island, SC 299202 bd · 1,080 sqft | $424,900 | $393 | May 2026 |
Recent closed sales of similar homes nearby (this list price is $609,000). 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 Harbour Key Drive, 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
~13.3 mi
Bluffton
~26.8 mi
Hilton Head Island
~22.1 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 Mike Lewis, BHHS Bay Street Realty.
Listing data last updated May 19, 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.