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45 Bream Ln, Waterloo, SC, 29384

5beds
4baths
3,392sqft
$748,000
$221price/sqft
$4,824/moest. monthly cost
$192,960/yrincome needed

About This Home

Set on approximately 1.2 unrestricted acres with 325+/- feet of great water frontage, and no HOA, this all-brick waterfront property offers a rare sense of privacy and space that is increasingly difficult to find on Lake Greenwood. More than a typical lake house, it feels like a hidden waterfront retreat, surrounded by mature trees and positioned to take full advantage of its peaceful waterfront setting. Designed for both everyday living and entertaining, the main level features a spacious great room with vaulted wood-plank ceilings, built-ins, a wood-burning fireplace, and large lakeside windows that fill the space with natural light and beautiful views. The kitchen offers generous prep space, breakfast bar seating, and an easy flow into the main living areas. A lakeside breakfast nook, sunroom, and expansive upper deck provide multiple places to gather, relax, and enjoy the setting throughout the day. The main level includes three bedrooms and two full baths, including a spacious lakeside primary suite with direct access to the deck. The primary bath features a double vanity and tiled shower. The walk-out basement adds valuable additional living space with a family room, bar area, fourth bedroom, third full bath, and access to the covered screened patio and backyard. In addition, the property features a detached one-bedroom guest house complete with its own full bath with a laundry area, full kitchen with island and living area. This separate space is approximately 864 sq ft ideal for guests, extended family, or anyone needing additional privacy. Outside, the property is designed to fully enjoy the waterfront lifestyle, with an expansive upper deck, screened lakeside patio, partially fenced yard, and private dock with covered boat lift. The 2-car garage under the house provides excellent space for storage, parking, or workshop use, while the greenhouse adds a unique touch for those who enjoy gardening. Solar panels contribute to improved energy efficiency and lower utility costs. Whether used as a full-time residence or a weekend retreat, this property offers privacy, flexibility, and a setting that truly stands apart on Lake Greenwood. The home has been pre-inspected, has new 6"gutters, new roof in 2026, new HVAC in 2026, and new water heater in 2025. Sale also includes the big screen projector. Square footage includes all heated areas including the guest house.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
5/10
3/10

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Basement
  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Oven,Electric Range,Microwave,Refrigerator,Washer,Other

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Bookcases,Cathedral Ceiling(s),Stamped Ceiling(s),Other
  • Flooring: Carpet,Hardwood,Laminate,Other
  • Number of fireplaces: 2
  • Fireplace features: Living Room,Other,Fireplace Equipment
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,392
  • Total interior livable area: 3,392 sqft

Master Bathroom

  • Features: Shower Only

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3090000061

Features

  • Patio & porch: Covered,Deck,Rear Porch,Screened
  • Exterior features: Boat Lift,Retaining Wall
  • Fencing: Partial
  • On waterfront: Yes
  • Waterfront features: Lake Greenwood,Lake
  • Frontage type: Lakefront
  • Frontage length: Road: 230,Water: 325
  • Living area range: 3300-3599

Lot

  • Lot size: 1.20 Acres
  • Features: See Remarks

Parking

  • Parking features: Garage Door Opener,Other

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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind
Inland Flooding

FEMA Declared Disasters in Laurens 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 $3,782$45,384
Home Insurance *$448$5,376
Property Taxes $268$3,216
Electricity $326$3,914
Total$4,824$57,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,394/yr
40% on housing$144,720/yr
45% on housing$128,640/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 29384$200
Laurens County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 29384$174
Laurens County$154

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
2026-03-27Listed for sale$768,000
2020-12-29Listing removed--
2020-12-28Sold$365,000
2020-10-13Pending sale$385,000
2020-10-07Listed for sale$385,000
2014-07-03Sold$250,000

For Sale by Agent

AgentTonya Wiley
BrokerageWiley Real Estate LLC

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