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3 Cedar Reef Dr Unit E105, Saint Helena Island, SC, 29920

1beds
2baths
794sqft
$285,000
$359price/sqft
$1,944/moest. monthly cost
$77,760/yrincome needed

About This Home

Vacation at the beach! This renovated 1 bedroom condo backs up to the community pool with views of the ocean. Kitchen has been redone and all the floor has been updated. Tastefully furnished with a Murphy Bed in the living area allows a couple extra visitors. Harbor Island is a pristine beach community with some of Beaufort County's prettiest views! This material is based upon information, which we consider reliable, but because it has been supplied by third parties, we cannot represent that it is accurate or complete, and it should not be relied upon as such.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

6/10
3/10
6/10
Beaufort High SchoolGrades 9-1213.4 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Cedar,Frame

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 794
  • Total interior livable area: 794 sqft

Property

Details

  • Parcel number: R30002000a0123105e
  • Zoning description: PUD

Features

  • Patio & porch: Porch
  • Exterior features: Storage
  • Waterfront features: None

Parking

  • Parking features: Parking Lot,Asphalt

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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Earthquake
Ice Storm
Lightning
Wildfire
Tsunami

FEMA Declared Disasters in Beaufort 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 $1,441$17,292
Home Insurance *$181$2,172
Property Taxes $118$1,416
Electricity $204$2,449
Total$1,944$23,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,651/yr
40% on housing$58,320/yr
45% on housing$51,840/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$359This listing

vs Other Active Listings

Avg $/sqft

ZIP 29920$292
Beaufort County$383

vs Homes Sold Last Month

Median $/sqft

ZIP 29920$310
Beaufort County$295

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
2026-05-06Price change$285,000
2026-02-20Listed for sale$299,000
2020-02-06Sold$99,900

For Sale by Agent

AgentBryan Gates
BrokerageLowcountry Real Estate

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