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170 Summer Bay Dr, Chapin, SC, 29036

4beds
5baths
4,033sqft
$1,350,000
$335price/sqft
$7,922/moest. monthly cost
$316,880/yrincome needed

About This Home

Welcome to your private oasis on beautiful Lake Murray — a truly exceptional residence where luxury meets timeless Southern charm. This custom brick home, offers year round water, exceptional privacy and no HOA. Tucked at the end of a quiet cul-de-sac on a gently sloping lot with 190 ft of water frontage, a 10,000-lb boat lift and new, private dock are just minutes from a public boat ramp. This meticulously designed home has premium finishes throughout. Spread across three levels with a mahogany elevator for easy access, the home is filled with natural light and crafted for entertaining. The main floor is an open concept design offering a great room with a fireplace, French doors open to the screened porch. The chef’s kitchen features Viking professional grade appliances, a pot filler, and the custom granite island has a wine cooler and compactor. Also, enjoy a formal dining room and formal living room (with closet and private bath access—ideal as a 5th bedroom). Birch hardwood floors, heavy molding, and 8-ft interior doors throughout. Upstairs, the owner’s suite includes: private balcony overlooking the lake, custom walk-in closet and a spa-style bath with Jacuzzi tub and multi-head shower with body jets. All bedrooms include ensuite baths and walk-in closets, including a full in-law suite on the lower level. Three porches plus a spacious deck provide multiple outdoor living zones. Mature trees create a 75-ft vegetative buffer for natural shade, seclusion and easy access to the lake from your backyard. Other features include, 8 foot interior doors, Trex decking for durability, backup generator and a one year home warranty. This home blends craftsmanship, comfort, and lakefront luxury—truly a must-see for anyone seeking premium Lake Murray living. Note, all door widths also comply with ADA requirements. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Piney Woods ElementaryGrades PK-43.1 mi
7/10
Chapin MiddleGrades 7-88.2 mi
9/10
Chapin High SchoolGrades 9-125.9 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Slab
  • Construction materials: Brick-All Sides-AbvFound

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range,Gas Water Heater
  • Laundry features: Electric

Basement

  • Has basement: Yes

Bedroom2

  • Level: Third

Bedroom3

  • Level: Third

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bathrooms: 1

Dining Room

  • Features: Bay Window,Floors-Hardwood,Molding,High Ceilings
  • Level: Second

Features

  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes

Great Room

  • Level: Second

Heating & Cooling

  • Heating features: Central,Gas 1st Lvl,Zoned
  • Cooling features: Central Air,Heat Pump 1st Lvl,Zoned

Interior Area

  • Total structure area: 4,033
  • Total interior livable area: 4,033 sqft

Kitchen

  • Features: Bar,Bay Window,Eat-in Kitchen,Floors-Hardwood,Kitchen Island,Pantry,Granite Counters,Backsplash-Tiled,Recessed Lighting
  • Level: Second

Living Room

  • Features: Bay Window,French Doors,Molding,High Ceilings,Ceiling Fan(s),Recessed Lighting
  • Level: Second

Master Bedroom

  • Features: Balcony-Deck,Double Vanity,French Doors,Bath-Private,Separate Shower,Walk-In Closet(s),Whirlpool,High Ceilings,Closet-Private,Spa/Multiple Head Shower
  • Level: Third

Property

Accessibility

  • Accessibility features: Accessible Doors

Details

  • Parcel number: 00151601006

Features

  • Stories: 3
  • Patio & porch: Deck
  • Exterior features: Dock,Gutters - Full
  • Fencing: Invisible
  • On waterfront: Yes
  • Frontage length: 190

Lot

  • Lot size: 8,712 sqft
  • Features: Cul-De-Sac,On Water,Sprinkler

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tornado
Hurricane
Lightning
Strong Wind

FEMA Declared Disasters in Lexington 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 $6,826$81,912
Home Insurance *$170$2,040
Property Taxes $539$6,468
Electricity $387$4,653
Total$7,922$95,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$271,611/yr
40% on housing$237,660/yr
45% on housing$211,253/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$335This listing

vs Other Active Listings

Avg $/sqft

ZIP 29036$196
Lexington County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 29036
Lexington County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-24Price change$1,575,000
2026-03-06Listed for sale$1,600,000
2019-04-01Sold$775,000
2019-02-18Price change$799,900
2018-10-23Listed for sale$808,800
2018-08-03Listing removed$808,800
2018-06-19Listed for sale$808,800
2011-11-04Sold$744,000
2007-08-20Sold$216,500

For Sale by Agent

AgentLisa M Cloyd
BrokerageEXIT Palmetto Real Estate Serv

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