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194-196 Rutledge Ave, Charleston, SC, 29403

6beds
7baths
6,025sqft
$3,197,000
$531price/sqft
$19,060/moest. monthly cost
$762,400/yrincome needed

About This Home

SEE ATTACHED BROCHURE. To qualify for B&B/STR, must be primary residence. 194-196 Rutledge Ave, ''The Rutledge Ave Inn'', is a 5 unit existing & operating Bed and Breakfast located in the Short-Term Rental Overlay. The main house (196 Rutledge), built in 1910, was renovated down to the studs in 2008 and includes four spacious rental units; two 2BR/2.5BA units A&B, and two 1BR/1BA units C&D. The units are in great condition with modern luxury finishes coupled with historic charm. The Cottage (194 Rutledge) which was built in 2008, is a two level 2BR/2.5BA detached house with it's own private fenced in yard and back porch. The Cottage is setback off the street providing a peaceful and unique oasis. The property exudes modern amenities with historical charm. (continued)

Getting Around

92
WalkingWalker's Paradise
50
TransitGood Transit
75
BikeVery Bikeable

Schools

2/10
4/10
1/10
Burke High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Crawl Space

Type & Style

  • Home type: MultiFamily
  • Property subType: Quadruplex

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7

Features

  • Ceiling Fan(s)

Heating & Cooling

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

Interior Area

  • Total structure area: 6,025
  • Total interior livable area: 6,025 sqft

Property

Details

  • Zoning description: Conforming

Features

  • Stories: 2

Lot

  • Lot size: 8,712 sqft

Parking

  • Parking features: 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

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Earthquake
Tsunami

FEMA Declared Disasters in Charleston 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 $16,165$193,980
Home Insurance *$1,251$15,012
Property Taxes $1,065$12,780
Electricity $579$6,952
Total$19,060$228,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$653,485/yr
40% on housing$571,800/yr
45% on housing$508,266/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$531This listing

vs Other Active Listings

Avg $/sqft

ZIP 29403$455
Charleston County$405

vs Homes Sold Last Month

Median $/sqft

ZIP 29403$603
Charleston County$359

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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$3,197,000
2025-03-21Listed for sale$3,250,000

For Sale by Agent

AgentJosh Schaap
BrokerageCharleston Commercial

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