3 Cedar Reef Drive, #E102, Saint Helena Island, SC, 29920 | $295,000

Tucked inside the private, gated beach resort of Harbor Island, this beautifully updated 1-bedroom villa offers the perfect blend of comfort, efficiency, and coastal charm-your very own home away from home. Thoughtfully maintained, the villa features spray foam insulation beneath the home, helping to keep energy costs low and interior temperatures comfortable year-round. Even more appealing, this property has never been rented by its current owners, offering a pristine, well-cared-for space. Whether you're looking to generate income or keep it as your private escape, you have the flexibility to start renting immediately or simply enjoy it from day one. Step outside and you're just moments from the pool-so close it feels like your own backyard oasis. Whether it's a refreshing morning swim or a relaxing afternoon in the sun, the ease of access makes every day feel like vacation. A short two-minute stroll along the boardwalk over the dunes leads you to the pristine, uncrowded beach where you can soak in the salt air, search for shells, or simply unwind to the sound of the waves. After a day on the sand, rinse off at the convenient outdoor shower before heading back to your villa. Beyond the beach, adventure awaits just minutes away at Hunting Island State Park, known for its natural beauty, trails, and iconic lighthouse. Harbor Island itself is truly a hidden gem, offering a relaxed, coastal lifestyle with an array of amenities. Spend your days fishing from one of the two private piers-catch your own dinner, or enjoy time on the tennis, pickleball, and basketball courts. Stay active with access to two fitness rooms, or unwind at the island's large swimming pool, where breathtaking sunset views create the perfect ending to any day. Whether you're searching for a peaceful getaway, investment opportunity, or your own slice of the Lowcountry, this villa invites you to slow down, reconnect, and enjoy life by the sea.

Features

  • Parking: Unassigned
  • Heating: Electric,Heat Pump
  • Cooling: Electric,Heat Pump
  • Amenities: Beach Rights,Beach Access,Pool,RV/Boat Storage,Trash
  • Bedrooms: 1
  • Baths: 1 full / 1 half
  • Complex: CEDAR REEF VILLA
  • Development: Harbor Island
  • Year Built: 1981
  • Approx Sq. Feet: 794
  • View: Landscaped,Pool
  • Pet Policy: Dogs OK,Number Limit,Owner Only
  • Appliances: Dryer,Dishwasher,Microwave,Oven,Range,Refrigerator,Washer
  • MLS#: 506913
  • Website: https://www.raveis.com
    /prop/506913/3cedarreefdrive_sainthelenaisland_sc?source=qrflyer
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Listing courtesy of Keller Williams   Phone: 843-321-1103

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3 Cedar Reef Drive, #E102, Saint Helena Island, SC, 29920

$295,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $236,000 $236,000 $236,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.628% 5.933%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,434 $1,490 $1,960
Total Monthly Payment $1,509 $1,565 $2,035

* 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.