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86 Harbour Key Drive, Harbor Island, SC, 29920 | $609,000
One of the cutest homes on Harbor Island and one of the original Harbour Key designs. This Key West inspired cottage has everything you need to have fun on an island paradise. Featuring an open floor plan with 2 bedrooms on first and large loft area on second set up with 3 beds that is perfect for kids. Large deck that wraps around two sides of the house that is nestled up to a tidal lagoon teaming with wildlife. Your views to Harbor River, lagoon and the new Harbor River bridge are simply stunning. Golf cart included for a quick 5 min cart ride to the beach, island pool, tennis or pickle ball courts. House even has a 220 outlet for EV cars. Outstanding rental investment, House has done as high as $70, 000 per year. Did $48, 000 in 2025. Buy a beach house and let others pay for it. Aerial photos taken before construction started on new house being built behind 86 Harbour Key Drive. Plus interior wall color on first floor now a light tan versus the original as shown in pictures.
Features
- Amenities: Pickleball, Tennis Court(s), Garden, Fitness Center, Dog Park, Pool, Playground, Clubhouse, Security Gate
- Bedrooms: 2
- Baths: 2 full
- Development: Harbor Island
- Year Built: 1997
- Heating: Heat Pump
- Cooling: Heat Pump
- Basement: No
- Approx Sq. Feet: 1,238
- Acreage: 0.11
- Est. Taxes: $8,832
- HOA Fee: $1,796 Annually
- View: Water, Trees/Woods, River, Bridge(s)
- Appliances: Electric Range, Cable TV/Available, Dishwasher, Disposal, Dryer, Furnished, Ice Maker, Microwave, Refrigerator, Washer
- MLS#: 195849
- Days on Market: 34 days
- Website: https://www.raveis.com
/prop/195849/86harbourkeydrive_harborisland_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 MLSListing courtesy of BHHS Bay Street Realty Phone: 843-838-3004
William Raveis Family of Services
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Customer Service
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!
- 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
86 Harbour Key Drive, Harbor Island, SC, 29920
$609,000
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 | $487,200 | $487,200 | $487,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $736 | $736 | $736 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,000 | $3,076 | $4,046 |
| Total Monthly Payment | $3,828 | $3,904 | $4,874 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484