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642 Lowry Ln, Seneca, SC, 29678

5beds
3baths
3,601sqft
$1,799,000
$500price/sqft
$10,862/moest. monthly cost
$434,480/yrincome needed

About This Home

Welcome to 642 Lowry Lane, Seneca, SC 29678—a rare opportunity to own an exceptional point-lot home on beautiful Lake Hartwell with year-round deep water, breathtaking views, and outstanding investment potential. Nestled on a quiet cul-de-sac in desirable Martin Creek, this spacious 5-bedroom, 3-bath home (or 4 bedrooms plus a bonus room) offers stunning lake views from nearly every room and is just minutes from Clemson by boat or car. The thoughtfully designed floor plan features a dramatic two-story great room with soaring ceilings, an open loft, and expansive windows that fill the home with natural light while showcasing the lake. The main-level primary suite is a peaceful retreat with a cedar-lined walk-in closet, jetted garden tub, separate shower, and beautiful water views. A second bedroom and full bath on the main level provide added convenience for guests or multigenerational living. Outdoor living is just as impressive, with a covered porch perfect for relaxing in the shade, plus a spacious two-tier deck overlooking the lake. The deck features a built-in hot tub (condition unknown; not used in the past two years), creating the perfect setting for entertaining or unwinding after a day on the water. The gently sloping point lot offers a paved concrete walkway leading to the dock, making lake access easy for all ages. Enjoy year-round deep water, rip-rapped shoreline, and a new two-story, two-slip aluminum double-decker dock complete with speakers and underwater lighting—everything you need to make the most of lake life. Inside, you'll find hardwood and ceramic tile flooring throughout the main living areas with carpet in the bedrooms. Additional features include a two-car garage, generous on-site parking, and a walk-in storage area beneath the home, ideal for storing all your lake toys and outdoor gear. There is also space for a utility sink, refrigerator, and an ice machine. The water line is already in place. Whether you're searching for a primary residence, vacation home, or income-producing property, this home offers incredible flexibility. With no HOA and a proven history as a successful Airbnb, it's well-suited for short-term rental income. The home may also be purchased furnished, providing a true turnkey opportunity for personal enjoyment or continued rental operation. Located just off the main channel in Martin Creek, you'll enjoy quick access to open water while still benefiting from a peaceful setting. As an added bonus, you can watch and hear Clemson game-day fireworks from the property, making evenings on the lake even more memorable. Don't miss this rare opportunity to own a turnkey Lake Hartwell waterfront home that combines spectacular views, exceptional outdoor amenities, and excellent income potential—all with no HOA.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

7/10
6/10
Seneca Middle SchoolGrades 6-85.9 mi
6/10
Seneca High SchoolGrades 9-127.1 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Construction materials: Wood Siding

Type & Style

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

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Flooring: Carpet,Hardwood,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 3,601
  • Total interior livable area: 3,601 sqft

Property

Details

  • Parcel number: 2830002028

Features

  • Levels: Two
  • Stories: 2
  • On waterfront: Yes
  • Waterbody name: Hartwell
  • Living area range: 3500-3749

Lot

  • Lot size: 0.50 Acres
  • Features: Not In Subdivision,Outside City Limits

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Tornado
Hail
Heat Wave
Inland Flooding
Strong Wind

FEMA Declared Disasters in Oconee 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 $9,096$109,152
Home Insurance *$851$10,212
Property Taxes $569$6,828
Electricity $346$4,155
Total$10,862$130,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$372,411/yr
40% on housing$325,860/yr
45% on housing$289,653/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: 17.8%
17.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$500This listing

vs Other Active Listings

Avg $/sqft

ZIP 29678$146
Oconee County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 29678$173
Oconee County$199

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
2026-07-19Listed for sale$1,799,000
2015-02-23Sold$610,000

For Sale by Agent

AgentDesiree Roberts
BrokerageMonaghan Co Real Estate

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