




5 Saint Margaret St, Charleston, SC, 29403
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
Schools
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
- Coastal Flooding
- Earthquake
- Cold Wave
- Ice Storm
- Lightning
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Charleston County and South Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,941 | $71,292 |
| Home Insurance * | $460 | $5,520 |
| Property Taxes | $391 | $4,692 |
| Electricity | $204 | $2,449 |
| Total | $6,996 | $83,952 |
Income You'd Need if You Spent...
South Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-20 | Price change | $1,175,000 |
| 2026-04-15 | Price change | $1,199,000 |
| 2026-04-04 | Price change | $1,250,000 |
| 2026-03-25 | Price change | $1,299,000 |
| 2026-03-16 | Price change | $1,350,000 |
| 2026-03-03 | Listed for sale | $1,395,000 |
| 2025-08-08 | Sold | $500,000 |
| 2025-07-26 | Pending sale | $525,000 |
| 2025-07-26 | Listed for sale | $525,000 |
For Sale by Agent
