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130 Sea Otter Lane, Saint Helena Island, SC, 29920

3beds
3baths
2,272sqft
$849,000
$374price/sqft
$5,405/moest. monthly cost
$216,200/yrincome needed

About This Home

Beautifully renovated home: the prefect blend of coastal living and natural serenity. Nestled at the end of a quiet cul-de-sac, overlooking Blue Heron Lake, an ideal setting for birdwatchers and nature lovers. From herons, kingfishers, to painted buntings and mergansers, enjoy the rookery from the screened porch, deck, or open living areas. 1st floor primary suite, office, extra large closet, and walk-in shower with double sinks. New maple hardwood floors, gourmet kitchen, granite tops, live-edge island, premium appliances, extra pantry, & coffee bar in butlers pantry. Living and dining flow naturally into a spacious family/game room and out to the screened porch with fabulous lagoon views! Great upstairs loft, two guest bedrooms/full bath. Ample storage inside/out, including a deep garage, walk-in attic, plus a pull down attic, with space for 5 cars in the driveway. Enjoy outdoor living with a spacious deck, stone patio with built-in grill station and private outdoor shower. Wake up to breathtaking eastern sunrises, take a golf cart ride to the beach, or unwind with community's resort-style amenities. Club Membership May be Required.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
63
BikeBikeable

Schools

6/10
3/10
6/10
Beaufort High SchoolGrades 9-1212.9 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Crawl
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer,Wine Cooler

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Attic Fan
  • Window features: Hurricane Shutters
  • Flooring: Wood

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Whole House Fan,Heat Pump

Interior Area

  • Total structure area: 2,272
  • Total interior livable area: 2,272 sqft

Property

Details

  • Parcel number: R40004000007310000
  • Zoning description: PUD

Features

  • Levels: Two
  • Pool features: Community
  • Patio & porch: Deck,Screened Porch
  • Exterior features: Storage,Outdoor Grill

Lot

  • Lot size: 8,712 sqft

Parking

  • Parking features: Driveway,Garage Faces Front,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

  • 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 $4,293$51,516
Home Insurance *$541$6,492
Property Taxes $353$4,236
Electricity $218$2,621
Total$5,405$64,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,314/yr
40% on housing$162,150/yr
45% on housing$144,133/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

$374This listing

vs Other Active Listings

Avg $/sqft

ZIP 29920$284
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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$849,000
2026-08-09Contingent$849,000
2026-07-24Price change$849,000
2026-07-01Listed for sale$869,500
2026-06-26Contingent$869,500
2026-04-16Price change$869,500
2026-01-27Listed for sale$899,000
2020-10-29Sold$355,000

For Sale by Agent

AgentKaren Natoli
BrokerageFripp Island Real Estate Co

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