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109 Fiveoaks Cir, Beaufort, SC, 29902

4beds
4baths
2,842sqft
$1,095,000
$385price/sqft
$6,985/moest. monthly cost
$279,400/yrincome needed

About This Home

Live your best Lowcountry life in this exceptional waterfront home designed by renowned architect William Poole, and built with the highest level of craftsmanship by Powell Brothers Construction, one of Beaufort's premier builders. Located in the highly sought-after Islands of Beaufort; the area's only gated community, this beautifully appointed residence offers expansive marsh views over Battery Creek, timeless architectural details, and a floor plan perfectly suited for both entertaining and everyday living. From the moment you arrive, the home's classic Lowcountry cottage design and quiet, private setting set the tone. Inside, the main living areas are light-filled and spacious, anchored by a dramatic great room with vaulted cathedral ceilings, No Flood Ins. Required. See more... The main-level primary suite offers comfort, privacy, and convenience, making it ideal for aging in place. This spacious retreat includes a walk-in closet with ample storage, a luxurious en-suite bath with double whirlpool tub, walk-in shower, double vanities, and designer finishes selected by acclaimed interior designer Norman Owens. French doors open directly to the porch and rear garden, providing peaceful outdoor access and serene marsh views. On the second floor, to the front of the house, are two double bedrooms, a full bathroom, and ample storage. A private large fourth bedroom, separated from the others, with full en-suite bathroom, offers beautiful marsh views and flexibility, with potential to expand into a studio suite, guest quarters, or space for a teen, adult child, or caregiver. It is located above the garage, and is accessed via a separate staircase. It is ideal for guests, or use as a home office. Outdoor living is a true highlight, with a scenic rear deck, perfectly positioned to capture sunrises over the marsh, while sunsets can be viewed from the front porch. A long driveway leads to a spacious two-car garage, complete with epoxy-painted floors and decorative racetrack tile accents. This home was originally a model home, is wired for sound throughout, and has been thoughtfully maintained and updated. Recent improvements include a new high-efficiency HVAC system (Zone 1, under warranty), new water heaters, new kitchen appliances and fixtures, full interior repaint in 2024, and full exterior repaint in 2025. Residents of the Islands of Beaufort enjoy access to an exceptional array of amenities, including a clubhouse, pool, fitness center, basketball, tennis and pickleball courts, community dock, walking trails, and wooded dog-friendly natural areasall just minutes from downtown Beaufort, shopping, dining, and medical facilities. Additional Features & Highlights Designed by William Poole; built by Powell Brothers Construction Featured as Southern Living Magazine's House of the Year Bespoke interior design by Norman Owens $9,000 Schonbek 12-light crystal chandelier in formal dining room Four spacious bedrooms Three-zone HVAC system State-of-the-art monitored security system (entry, motion, glass break, temperature, water, smoke, CO, cameras; includes garage and crawl space) Weathershield windows and custom exterior doors Epoxy-coated garage floor with decorative racetrack tile accents Community amenities: clubhouse, pool, fitness center, dock, courts, trails

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Battery Creek High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Crawl
  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Wood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 2,842
  • Total interior livable area: 2,842 sqft

Property

Accessibility

  • Accessibility features: Other See Remarks

Details

  • Parcel number: R12003200001540000
  • Zoning description: Residential
  • Other equipment: Irrigation System

Features

  • Pool features: Community
  • Patio & porch: Deck
  • Exterior features: Storage
  • Has view: Yes
  • View description: Marsh/Water/View
  • Has water view: Yes
  • Water view: Marsh/Water/View
  • Waterfront features: Marsh

Lot

  • Lot size: 0.44 Acres
  • Lot size dimensions: 34 x 209 x 180 x 171

Parking

  • Parking features: 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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Earthquake
Heat Wave
Ice Storm
Strong Wind
Tornado
Wildfire

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 $5,536$66,432
Home Insurance *$720$8,640
Property Taxes $456$5,472
Electricity $273$3,279
Total$6,985$83,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$239,485/yr
40% on housing$209,550/yr
45% on housing$186,266/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: 8.5%
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

$385This listing

vs Other Active Listings

Avg $/sqft

ZIP 29902$280
Beaufort County$383

vs Homes Sold Last Month

Median $/sqft

ZIP 29902$264
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
2026-04-21Price change$1,095,000
2026-02-06Listed for sale$1,195,000
2024-01-19Sold$900,000
2023-12-29Pending sale$1,150,000
2023-11-29Price change$1,150,000
2023-10-11Price change$1,170,000
2023-07-26Price change$1,195,000
2023-06-01Listed for sale$1,250,000
2006-02-21Sold$650,000

For Sale by Agent

AgentTodd McDaniel
BrokerageBHHS Bay Street Realty

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