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Sullivan's Island, SC 29482
$26,181/motrue all-in estimate· 20% down
P&I $19,214 · tax $1,583 · insurance $2,217 · upkeep $3,167. The honest monthly cost the portals leave out — a planning estimate, not a quote. Adjust it below.
Well-kept two-story in Middle Street on a landscaped lot. Community amenities include a pool, play park, and miles of walking trails. Out back: a detached shed with power, plus room to park the boat. Bike to Poe's and Obstinate Daughter; the lighthouse and beach are your backyard.
Roughly $19,214/mo with 20% down at recent rates — principal and interest only. The mortgage calculator on this page lets you set your own down payment and rate, and /affordability works backward from your budget.
As a primary residence, about $19,000/yr; as a second home or investment, about $56,999/yr. South Carolina assesses primaries at 4% and other property at 6% — planning figures, not a quote.
0.5 miles to Sullivan's Island beach and 3.8 miles to Shem Creek, straight-line distance. Downtown Charleston is 5.9 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.
Estimated property taxes
~$19,000/yr as a primary residence · ~$56,999/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
~$26,599/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 Sep 29, 2026, 2:00 AM
$3,374,900
$3,799,900
551 Middle St
Use "Schedule a tour" in the contact panel — pick a couple of times that work and your Sullivan's Island agent confirms the showing, usually the same day.
It's listed as Active as of the last MLS sync (shown below the description). Coastal inventory moves — if it's a fit, tour it sooner rather than later.
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.
Kiawah Island, SC 29455
