621 E Arctic Avenue, Folly Beach, SC, 29439 | $3,175,000

Welcome to oceanfront living on Folly Beach in this beautiful 4-bedroom, 4. 5-bath home offering 4, 024 square feet, a private boardwalk to the beach, and incredible ocean views throughout. The views can be enjoyed from the main living areas, sunroom, and three bedrooms, including two spacious primary suites, one upstairs and one downstairs. The upstairs primary suite also features a private deck, creating a peaceful place to take in the sights and sounds of the ocean. Designed for both comfort and flexibility, the home features wood floors, an elevator from the ground level to the main living area, recently installed impact windows and cement plank siding on the ocean-side, new ocean-side decks completed in 2025, and a roof installed in 2019. Just off the main living area is a separatestudio apartment with its own living room, full kitchen, 1. 5 baths, and loft with a king bed, making it ideal for guests, extended family, a mother-in-law suite, or added privacy. Sold furnished with the exception of select seller personal items and artwork, this property is a rare opportunity to own a spacious oceanfront retreat in one of the Lowcountry's most loved beach communities. The owner's flood insurance is currently only $752, an exceptional value for an oceanfront property. We also have a conceptual plan showing how the 1st floor could potentially be opened up into the studio apartment creating a larger kitchen and a more open living space.

Features

  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Laundry: Laundry Room
  • Style: Traditional
  • Development: 22 - Folly Beach to Battery Island
  • Year Built: 2001
  • Approx Sq. Feet: 4,024
  • Acreage: 0.14
  • Lot Desc: 0 - .5 Acre, Ocean View
  • Water Front: Yes
  • Elem. School: James Island
  • Middle School: Camp Road
  • High School: James Island Charter
  • MLS#: 26009511
  • Days on Market: 45 days
  • Website: https://www.raveis.com
    /eprop/26009511/621earcticavenue_follybeach_sc?source=qrflyer
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Listing courtesy of East Islands Real Estate

William Raveis Family of Services

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888.699.8876

Contact@raveis.com

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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

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!
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621 E Arctic Avenue, Folly Beach, SC, 29439

$3,175,000

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 $2,540,000 $2,540,000 $2,540,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.361% 6.183%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $15,229 $15,639 $21,434
Total Monthly Payment $15,354 $15,764 $21,559

* 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.