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87 Cumberland Dr, Bluffton, SC, 29910

4beds
4baths
4,168sqft
$1,895,000
$455price/sqft
$11,604/moest. monthly cost
$464,160/yrincome needed

About This Home

Tranquil waterfront viеwѕ ѕet the tonе for thіs custom H2-built Βelfаir home, where Lowcountry beauty, abundant wildlife, and majestic Live Oaks and palms create a private, peaceful setting. Thoughtfully designed, the home boasts timeless architectural details, arched doorways, custom moldings, and tray ceilings, with meaningful upgrades including a 2024 roof, three-car garage, two new water heaters, and integrated surround sound. The oversized kitchen serves as the heart of the home, featuring Sub-Zero and Wolf appliances, gas cooktop, Instahot, and generous prep space ideal for both everyday living and entertaining. The main level offers three bedrooms, including a refined primary suite, two guest suites, one with a steam shower, and a dedicated office. Upstairs, a spacious room over the garage provides exceptional flexibility, complete with a full bath and abundant walk-in storage. The 1,125 SF screened lanai and outdoor kitchen extend the living space outdoors, perfectly positioned to take in the serene water views and natural surroundings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
Okatie Elementary SchoolGrades PK-55.5 mi
6/10
Bluffton Middle SchoolGrades 6-82.5 mi
9/10
May River HighGrades 9-128.4 mi

Construction

Condition

  • Year built: 2008

Materials

  • Roof: Asphalt
  • Construction materials: Stucco

Other

  • Builder model: Custom

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Gas Range,Ice Maker,Microwave,Oven,Refrigerator,Self Cleaning Oven,Wine Cooler,Warming Drawer,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Attic,Bookcases,Built-in Features,Tray Ceiling(s),Ceiling Fan(s),Carbon Monoxide Detector,Fireplace,Jetted Tub,Main Level Primary,Multiple Closets,Smooth Ceilings,Smart Thermostat,Wired for Sound,Window Treatments,Central Vacuum,Entrance Foyer,Eat-in Kitchen
  • Window features: Other,Window Treatments
  • Flooring: Engineered Hardwood,Tile,Wood
  • Fireplace features: Fireplace Screen

Heating & Cooling

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

Interior Area

  • Total interior livable area: 4,168 sqft

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: R60002300F00700000
  • Special condition: None
  • Other equipment: Dehumidifier

Features

  • Pool features: Community
  • Patio & porch: Rear Porch,Enclosed,Patio,Porch,Screened
  • Exterior features: Enclosed Porch,Sprinkler/Irrigation,Propane Tank - Owned,Paved Driveway,Porch,Propane Tank - Leased,Patio,Rain Gutters,Outdoor Grill
  • Has view: Yes
  • View description: Marsh View
  • Has water view: Yes
  • Water view: Marsh View

Lot

  • Lot size: 0.55 Acres
  • Features: 1/2 to 1 Acre Lot

Parking

  • Total spaces: 3
  • Parking features: Garage,Three Car Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

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

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 $9,582$114,984
Home Insurance *$833$9,996
Property Taxes $789$9,468
Electricity $400$4,809
Total$11,604$139,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$397,851/yr
40% on housing$348,120/yr
45% on housing$309,440/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

$455This listing

vs Other Active Listings

Avg $/sqft

ZIP 29910$431
Beaufort County$382

vs Homes Sold Last Month

Median $/sqft

ZIP 29910$275
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
2025-12-19Listed for sale$1,895,000
2020-04-30Sold$795,000
2020-03-13Pending sale$824,000
2020-02-07Price change$824,000
2019-05-23Listed for sale$849,000
2004-06-08Sold$259,000

For Sale by Agent

AgentThe Ussery Group
BrokerageCharter One Realty

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