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5 Saint Margaret St, Charleston, SC, 29403

2beds
4baths
1,570sqft
$1,175,000
$748price/sqft
$6,996/moest. monthly cost
$279,840/yrincome needed

About This Home

Extensively rebuilt from the ground up, this Wagener Terrace residence offers the rare combination of modern construction, a large private backyard, and off-street parking, all in one of Charleston's most sought-after neighborhoods.Taken down to the dirt and reconstructed with intention, the home features a new foundation, all-new electrical and plumbing (including sewer line to the street), HVAC with ductwork, and a new roof, delivering the confidence of today's building standards within a historic setting. Original windows and siding were thoughtfully preserved and rebuilt, maintaining architectural character while enhancing performance.Inside, wide-plank French oak flooring and custom tile work create a clean, cohesive finish throughout. The main level lives exceptionally well,offering two spacious ensuite bedrooms, a powder room, dedicated laundry, and light-filled living and dining spaces. The kitchen anchors the home with a 10-foot waterfall quartz island, custom cabinetry, and a premium Z-Line appliance suite including a 36" gas range, all oriented toward the backyard for seamless indoor-outdoor flow. Upstairs, a fully finished and conditioned bonus level adds valuable flex space, ideal for a home office, studio, fitness area, or additional storage, along with a compact full bath. With lower ceiling heights, this level is best utilized as supplemental space rather than a traditional full-height second floor. Outdoor living sets this property apart. The fully fenced yard offers exceptional space and privacy, complemented by a custom paver patio with firepit, deck, and ambient lighting. A brick driveway provides off-street parking, while a custom site-built storage building with power adds versatility for workshop, hobby, or additional storage use. The lot also allows room for a future pool, an uncommon opportunity in this location. Ideally located near Hampton Park, neighborhood green spaces, and local dining, this is a true no-shortcuts rebuild delivering modern infrastructure, thoughtful design, and long-term value in the heart of downtown Charleston. * Note the second floor has lower ceilings and it is finished space but not a full bedroom and bathroom. If a second floor or a third bedroom is important to you, you may not want to waste your time looking at this one. We can convert it back to attic space if desired. The value of the home is downstairs and the second floor is just a bonus with little value placed on it. The value of this home is being brand new to today's code, on a large lot in the heart of the high-demand Wagener Terrace.

Getting Around

79
WalkingVery Walkable
36
TransitSome Transit
77
BikeVery Bikeable

Schools

7/10
1/10
Burke High SchoolGrades 9-120.7 mi
4/10

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Crawl Space
  • Roof: Architectural
  • Construction materials: Asbestos,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Electric Dryer Hookup,Washer Hookup,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Ceiling - Smooth,Kitchen Island,Walk-In Closet(s),Ceiling Fan(s),Eat-in Kitchen
  • Flooring: Ceramic Tile,Wood

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,570
  • Total interior livable area: 1,570 sqft

Property

Details

  • Parcel number: 4631501040

Features

  • Levels: One and One Half,Two
  • Stories: 2
  • Entry location: Ground Level
  • Patio & porch: Deck,Front Porch
  • Exterior features: Lawn Irrigation
  • Fencing: Privacy,Wood

Lot

  • Lot size: 4,791 sqft
  • Features: 0 - .5 Acre,Interior Lot,Level

Parking

  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Earthquake
Cold Wave
Ice Storm
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters in Charleston County and South Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,941$71,292
Home Insurance *$460$5,520
Property Taxes $391$4,692
Electricity $204$2,449
Total$6,996$83,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$239,862/yr
40% on housing$209,880/yr
45% on housing$186,560/yr

South Carolina FAIR Plan Programs

South Carolina Wind and Hail Underwriting Association

Covered
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$748This listing

vs Other Active Listings

Avg $/sqft

ZIP 29403$454
Charleston County$405

vs Homes Sold Last Month

Median $/sqft

ZIP 29403$603
Charleston County$359

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-20Price change$1,175,000
2026-04-15Price change$1,199,000
2026-04-04Price change$1,250,000
2026-03-25Price change$1,299,000
2026-03-16Price change$1,350,000
2026-03-03Listed for sale$1,395,000
2025-08-08Sold$500,000
2025-07-26Pending sale$525,000
2025-07-26Listed for sale$525,000

For Sale by Agent

AgentScott Baskin
BrokerageKeller Williams Realty Charleston West Ashley

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