109 Five Oaks Circle, Beaufort, SC, 29902 | $1,195,000

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

Features

  • Amenities: Tennis Court(s), Fitness Center, Dock, Pool, Clubhouse, Security Gate
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 34x209x180x171
  • Development: Beaufort
  • Year Built: 1998
  • Heating: Central, Heat Pump
  • Cooling: Central Air, Heat Pump
  • Basement: No
  • Approx Sq. Feet: 2,842
  • Acreage: 0.44
  • Lot Size: 34x209x180x171
  • Est. Taxes: $6,668
  • HOA Fee: $2,734 Annually
  • View: Water, Trees/Woods, Creek/Stream
  • Appliances: Gas Range, Cable TV/Available, Dishwasher, Disposal, Fire Alarm, Refrigerator
  • MLS#: 194560
  • Days on Market: 50 days
  • Website: https://www.raveis.com
    /eprop/194560/109fiveoakscircle_beaufort_sc?source=qrflyer
This information is deemed reliable, but not guaranteed. Neither the Lowcountry Regional MLS, nor the listing broker, nor their agents or subagents are responsible for the accuracy of the information. The buyer is for use by its members and is not intended for use for any other purpose. Source: LowCountry Regional MLS
Listing courtesy of BHHS Bay Street Realty   Phone: 843-301-0013

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

109 Five Oaks Circle, Beaufort, SC, 29902

$1,195,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $956,000 $956,000 $956,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.300% 6.375% 6.203%
Monthly Tax Payment $556 $556 $556
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,655 $5,886 $8,067
Total Monthly Payment $6,336 $6,567 $8,748

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.