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16 Whelk St, Hilton Head Island, SC, 29928

5beds
6baths
3,625sqft
$5,099,000
$1,407price/sqft
$30,640/moest. monthly cost
$1,225,600/yrincome needed

About This Home

Experiencе thе рinnaclе of οceanfront living on Ηiltοn Head Island in this fully turnkey beach home with unobstructed Atlantic Ocean views. Located on one of the island's most desirable beaches, this oceanfront property for sale offers stunning eastern exposure with unforgettable sunrises, expansive shoreline views, and the calming sound of waves crashing on the shore. Meticulously maintained and never rented, the home features a new chef's kitchen, five bedrooms with ensuite bathrooms, including multiple oceanfront primary suites with private balconies overlooking the water. Enjoy a private oceanfront pool with an elevated deck designed to maximize beach and ocean views, plus a new private boardwalk that's a hop, skip, and jump to toes-in-the-sand. Use as a primary residence, second home, or high-end Hilton Head vacation rental, either way, the memories you'll make inside, outside, on the beach, and anywhere else on America's #1 Island are priceless, while the potential for high rental income production and future appreciation makes this a smart investment. Oceanfront homes on Hilton Head Island priced this low are a rarity, making this luxury oceanfront residence a truly exceptional opportunity. If you're going to buy oceanfront, do it like this! Now is the time to make your dreams a reality!

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Construction

Condition

  • Year built: 2002

Materials

  • Roof: Slate
  • Construction materials: Block,Stucco

Other

  • Builder model: Custom

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level
  • Property subType: Multi Family,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Gas Range,Microwave,Oven,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Carbon Monoxide Detector,Elevator,Fireplace,Multiple Primary Suites,Multiple Closets,Smooth Ceilings,Smart Thermostat,Cable TV,Upper Level Primary,Window Treatments,New Paint
  • Window features: Impact Glass,Insulated Windows,Window Treatments
  • Flooring: Engineered Hardwood,Stone

Heating & Cooling

  • Heating features: Central,Electric,Zoned
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 3,625 sqft

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: R51000800005010000
  • Special condition: None
  • Other equipment: Dehumidifier

Features

  • Private pool: Yes
  • Pool features: Heated,Propane Heat,Private
  • Patio & porch: Balcony,Deck
  • Exterior features: Balcony,Deck,Outdoor Shower,Propane Tank - Owned,Propane Tank - Leased,Storm/Security Shutters
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes

Lot

  • Lot size: 9,147 sqft
  • Features: Waterfront,< 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Garage,Two Car Garage,Unassigned
  • 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

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Ice Storm
Lightning
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 $25,783$309,396
Home Insurance *$2,385$28,620
Property Taxes $2,124$25,488
Electricity $348$4,183
Total$30,640$367,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,050,514/yr
40% on housing$919,200/yr
45% on housing$817,066/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

$1,407This listing

vs Other Active Listings

Avg $/sqft

ZIP 29928$498
Beaufort County$379

vs Homes Sold Last Month

Median $/sqft

ZIP 29928$597
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)

Price History

DateEventPrice
2026-04-28Price change$5,099,000
2026-03-17Price change$5,370,000
2026-03-04Price change$5,470,000
2026-01-16Listed for sale$5,490,000
2018-01-30Sold$1,675,000
2017-12-17Pending sale$1,950,000
2017-12-15Listed for sale$1,950,000
2015-11-05Listing removed$1,950,000
2014-05-10Price change$1,950,000
2013-02-02Price change$2,395,000
2011-02-24Listed for sale$2,895,000
2010-09-17Listing removed$2,895,000
2010-06-10Listed for sale$2,895,000
2010-04-16Listing removed$2,895,000
2008-12-13Listed for sale$2,895,000
2006-05-16Sold$2,795,000
2002-07-03Sold$1,850,000

For Sale by Agent

AgentThe Native Islander Group
BrokerageEXP Realty LLC

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