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1109 Natures Cove Rd, Saluda, SC, 29138

2beds
1baths
864sqft
$220,000
$255price/sqft
$1,516/moest. monthly cost
$60,640/yrincome needed

About This Home

Escape to your own slice of South Carolina paradise! This 1.74-acre waterfront property sits peacefully along the Saluda River, where the water gently feeds into Lake Murray. Tucked into a quiet cove, this location offers serenity, privacy, and no HOA — giving you the freedom to make it truly yours. A small cabin & single trailer sits on site — it needs some work, but offers incredible potential as a weekend retreat, hunting lodge, or future dream home site. This is a fishing and hunting haven with easy access to everything the Midlands and Lake Murray. Public Boat Ramp less than a mile away. Bring your vision, and start living the waterfront lifestyle you’ve been dreaming of! 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
20
BikeSomewhat Bikeable

Schools

3/10
2/10
Saluda Middle SchoolGrades 6-86.5 mi
6/10
Saluda High SchoolGrades 9-126.4 mi

Construction

Condition

  • Year built: 1979

Materials

  • Construction materials: Vinyl

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1610000024

Features

  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: On Lake Murray,River Front,View-Cove

Lot

  • Lot size: 1.74 Acres

Parking

  • Parking features: No Garage

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Drought
Hail
Hurricane
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters in Saluda 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 $1,112$13,344
Home Insurance *$122$1,464
Property Taxes $78$936
Electricity $204$2,449
Total$1,516$18,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,977/yr
40% on housing$45,480/yr
45% on housing$40,426/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 3.5%
3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 29138$247
Saluda County$240

vs Homes Sold Last Month

Median $/sqft

ZIP 29138
Saluda County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-01-15Price change$220,000
2025-11-07Listed for sale$230,000

For Sale by Agent

AgentAllison Agnew
BrokerageeXp Realty LLC

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