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This home has sold. Details are shown for reference.
Harbor Island, SC 29920
SOLD. Light-filled open plan in Harbor Drive with the primary suite on the main floor. A first-floor guest suite with a full bath is ready for visitors or multi-gen living. A bonus room over the garage works as a media room, gym, or fifth bedroom. Boardwalks over the dunes and dolphin watch from the crow's nest.
1.7 miles to Hunting Island beach and 12 miles to Lady's Island Marina, straight-line distance. Downtown Beaufort is 12 miles away.
Toggle the FEMA flood overlay on the map above to see the mapped zones around this address. Zone lines are parcel-specific, so before you offer we pull the actual FIRM panel and talk through what it means for insurance.
Use "Schedule a tour" in the contact panel — pick a couple of times that work and your Harbor Island agent confirms the showing, usually the same day.
This home has sold, but it's useful as a comp — ask us about similar homes nearby or list alerts for this neighborhood.
Estimated property taxes
~$2,650/yr as a primary residence · ~$7,949/yr as a second home or investment. SC assesses primaries at 4% and other property at 6% — rough planning figures, not a quote.
Estimated insurance
~$3,709/yr as a planning figure (coastal wind & hail loads the rate)— the number the portals never show. Check the flood-zone overlay on the map below, then ask us about wind & hail coverage and elevation certificates; we walk every buyer through SC evacuation zones and real coastal insurance costs before an offer.
Coastal buying means asking about water early — not after you fall in love. Flood zones describe the land, not the house: toggle the FEMA flood zones overlay on the map above to see how the mapped hazard areas sit around this address.
Checking the FEMA flood map for this point…
Listing data courtesy of Charleston Demo MLS.
Listing information is deemed reliable but not guaranteed. Data shown is demonstration seed data, not a live MLS feed. Properties are for illustration only.
Listings last updated Jul 30, 2026, 2:00 AM
$529,900
1977 Spinnaker Ct
Zone maps change and parcels differ — nothing here is an insurance quote or a flood determination. It is the homework that gets you real answers fast; verify anything that matters with your insurer.
$529,900
Lady's Island, SC 29907
