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Note: this information is supplied as a guideline only - it is not guaranteed to be 100% accurate, and is subject to change without notice. Please contact the entities concerned if you require exact up-to-date information.
The Harbor Island Owners Association is the local governing body, elected by the property owners on the Island, to assess fees in order to care for essential services not covered by Beaufort County taxes. The fees cover such things as maintenance and landscaping of the common areas on the Island, roadways, beach access cross-overs, security operations, and the Harbor Island Beach & Racquet Club operations (No additional membership fee is charged). The yearly fee, currently $1,007.22, is adjusted annually (increase restrictions are in place). The association’s fiscal year runs from November 01 through October 31 of each calendar year.
Please note that the HIOA charges a $500.00 Property Transfer Fee to cover administrative costs to the Association. The fee must be collected and remitted to HIOA upon closing. Who pays this fee is up to the buyer and seller to negotiate.
Harbor Island also has its’ own Public Service District, which is responsible for the water and sewer facilities that service the Island. You can contact Harbor Island Utilities by email at claudia@beaufortgroup.net , call them at 843-982-0405 or fax them at 843-982-0707.
Estimated average utility costs
Electricity $180/month
Water & Sewer $75/month
Telephone $35/month
Cable TV $45/month
Trash Service $35/month
Beaufort County Property Taxes
The tax assessors’ office calculates an appraised value for each piece of real estate in Beaufort County based upon comparable sales, terms and condition, etc. This appraised value is multiplied by a factor of 4% for permanent residents and 6% for non-residents and commercial/rental properties. The assessed value is then multiplied by the Harbor Island district's millage rate to calculate property taxes. The millage rate for 2009 is 192.54/ $1,000.00 (Remember - property taxes are paid in arrears!)
Example: A home appraised at $500,000 for a resident would equate to $2,045.60 property tax. ($500,000 x .04 x .10228)
Note: Primary residents receive a special exemption from property taxes imposed for school operating expenses. This reduces the 4% tax basis by an average of 25% minimum. However, those residents pay an extra 1% state sales tax in lieu of the local school operations tax plus a state income tax of 6% plus personal property taxes.
For more information on property taxes, please go to the Beaufort Tax Assessors’ website:
http://www.bcgov.net/BC_Assessor/
2010 Estimated Insurance Costs
Estimated insurance costs per $100,000 of structural value: (land value is not included!)
Hazard/Wind and Hail $1,000 to $1,300 per $100,000 of structure value
Flood $225 per $100,000 of structure value
Note: Insurance costs are a hot topic as regards to coastal properties and tend to change considerably from year to year depending on hurricane activity levels, age, size, use (rental vs. personal use), first floor elevation, distance from ocean, etc.
Subdivision Associations
Pelican Point Association $1420/year
(includes landscaping, trash removal, pest control and beach access maintenance.)
Sea Cottages $74.40/quarter
(Includes maintenance of pool and common areas)
Nautical Watch Association $825/year
(Includes common water and electricity, common area landscaping & pool maintenance.)
Harbor Key Association $575/year
(Includes admittance to HarborIsland facilities and maintenance of common areas and roads.)
Please note that the above fees do not include homeowners, flood or wind & hail insurance!
Condominiums (Villas):
Regime Fee Yearly Insurance Cost
Cedar Reef Villas: 1 BR $690.12/Qtr. $2,741.85
2 BR $894.24/Qtr. $3,552.82
Includes building maintenance and landscaping, trash removal, pest control and termite bond, common areas electric and water, pool maintenance and Cable TV service.
Beach House Villas: 1 BR $458.58/Mo. $2,014.88
2 BR $561.01/Mo. $2,488.27
Includes landscaping and building maintenance, trash removal, pest control and termite bond, common areas electricity and water, pool maintenance, unit water and sewer and Cable TV service and new roofing assessment.
Note: Contents and personal liability insurance is the responsibility of each unit owner.
1. Beaufort Homes for Sale
2. Mossy Oaks Homes for Sale
3. Port Royal Homes for Sale
4. Burton Homes for Sale
5. Lady's Island Homes for Sale
6. St. Helena Island Homes for Sale
7a. Fripp Island Homes for Sale
7b. Harbor Island Homes for Sale
8. Northern Beaufort County for Sale
9. South of the Broad River for Sale
After moving to three states and six houses, we've worked with many real estate brokers. Greg Bennet is by far and above the Best! Greg has time to listen. Meeting in our home of 20 years on Harbor Island, Greg spent several hours discussing our plans and options. Greg was always available to promptly answer questions as they arose. Greg is a terrific problem solver. During a roof inspection issue, Greg found a roofing contractor who was able to resolve the issue in two quick days. When we mistakenly left some things behind in our move from SC, Greg kindly mailed them to our new home in Virginia. Greg is a broker who goes beyond the sale! As a professional Greg’s honesty and integrity are to be admired. We are grateful to have had Greg Bennett , an outstanding real estate broker, sell our home on Harbor Island. We are blessed to know Greg, an exceptional, remarkable man.
Ellen Roberts & Steve Kotowicz, Farmville, VAAs a property owner on Harbor Island since 1993, I had known Greg since 1998 . He has always been the "GO TO" Realtor on the island .
Greg had a wonderful online Marketing Plan , he made the showing process very easy and relatively stress free. When I started getting offers on my Condo he did everything in his power to get me the highest possible price. I am deeply grateful to him for being so kind and patient while guiding me through the sale of a place that was a huge piece of my heart. He understood how distraught I was and went above and beyond to make the process as easy as possible. I am fortunate to have had a person I consider a friend as well as an excellent realtor.
If you want a Realtor that will look out for your best interest throughout the entire process, work to get you the highest price possible, keep you well informed, and negotiate on your behalf then call Greg today.
Sandy Stewart"Early last fall my husband and I relocated to Beaufort from Massachusetts. Initially, we rented an apartment to allow us time to ensure that Beaufort was, in fact, where we wanted to live. We spent the next six months touring all of the surrounding area and quickly decided that our choice to call Beaufort home was the right choice for us.
But, our truly good fortune occurred when we contacted Beaufort Realty Consultants.
We had the good fortune to speak with Abbigail "Abbi" Moeller.
We discussed with her a few properties we were interested in as well as what our "wishes and desires" for a new home. She immediately set up showings for us.
Upon meeting Abbi we were both struck by her charming, pleasant and calm demeanor, something essential in today's "crazy real estate market".
Within short order we came to realize how tremendously knowledgeable with the area, especially Beaufort, Abbi was. Her subtle advice and recommendations made our search so much easier.
In no time flat Abbi found us the perfect home!
Immediately she connected us with the "perfect mortgage lender", perfect inspectors, and excellent contractors for any and all of our needs. Through all of this, Abbi always remained calm and supportive.
And to this day she is still assisting with recommendations on local service providers!!!
Abbi was more than our real estate agent, she is someone who we think of as a friend."
THINKING OF SELLING? REQUEST YOUR FREE QUICK OVER-THE-NET HOME VALUATION - or Call: (843) 521-2022
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