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Condos For Sale in Charleston SC

Condominiums For Sale in Charleston SC | Charleston SC area condos for sale: Waterfront condos, beachfront condos, luxury condos, lofts, high-rise condo listings new construction on MLS for sale in Charleston SC. Charleston, South Carolina isn’t just gorgeous large plantation homes and mansions with lots of history although we know the visitors that come here want to believe that. Granted we are very proud of our rich history of stunning Victorian homes built hundreds of years ago we still have beautiful condos for sale that fit today’s lifestyle. Condos for sale in Charleston SC range in style, size, and price as you can imagine. There are condos for sale in downtown Charleston that exceed $5 Million to $60,000 condos in the outlying communities of Charleston like West Ashley. With the highest listing (not sold) being $19 Million for top floor penthouse of The People’s Building Condo.

 
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So What's a CondoCondo RegimeRegime FeesHigh-Mid Rise?FinancingTownhouse?Pros & Cons
Condo, obviously an abbreviation for condominium is legally understood to mean an “apartment style” form of real property “real estate” is individually owned. Otherwise an apartment house, office building, or other multiple-unit complex, the units of which are individually owned, each owner receiving record-able deed to the individual purchased unit, including the right to sell, and obtain a mortgage lien. Furthermore, the use of land access to common facilities such as pool, park, sidewalks, hallways, heating system(s), elevators, and other exterior areas are executed under legal rights associated with the individual ownership. These rights to common facilities are controlled by the association of owners that jointly represent ownership of the entire piece. The difference between an “apartment” complex and condominium is purely legal, and here in the United States most recognize condo to mean ownership vs renting/leasing for apartment.

 

 

VillaA Villa is really just another name for a condo or townhouse that is usually in a resort. Simply a more dressed up name for the same thing. Originally it was meant to mean an elegant upper-class country home, honestly now it is just a “snazzier” name for condo so those who purchase in a more expensive or “exclusive” community feel better about owning what amounts to a condo or townhouse. 

How’s a “condo regime” different than a condo? Condo regime is generally known as an association of homeowners defined as an entity comprised of homeowners living or owning most specifically within a particular area, whose principal purpose is to ensure the provision and maintenance of community facilities and enforcement of the various covenants and restrictions. A condo regime does not necessarily mean the real estate owned are necessarily “condos” as commonly known as described in the first tab. An HOA is created upon the recordation of a Declaration of Covenants, Conditions and Restrictions (“DCC&R”) in local land records. Each lot and common area is subject to the CCRs. Unlike a technical understanding of condominiums, the bylaws of the HOA are not recorded in land records. A neighborhood can actually be held or titled under a condo regime which is most easily understood by saying all the common property owned by the association (neighborhood) is managed by the association of home owners. Therefore all the land, common areas, exterior maintenance, common land, facilities are part of the HOA even though they may be single family homes. Rare, but it is the case, and one good example locally is Patriots Province in Mt Pleasant.
Regime fees are the monthly, or quarterly payments due to the association to pay for your percentage of costs necessary to sustain the community’s assets. For example most regime payments (at least here in Charleston) pay for the insurances for the community (hazard, wind, flood, general liability), ground maintenance, amenities, exterior upkeep, repair and replacement. When you own in a condo or condo regime the monies paid into the association account is used to pay for new roof, new siding, insurances, pools, roads, tennis courts etc. It would then be the owner’s prudent responsibility to carry an interior insurance policy for protection against neighbors damage if pipe burst in your unit for example. 
The truth is there really is no technical definition of a “high-rise condo”, but for all intents and purposes let’s say a “tall” apartment condominium building with at least 7 stories and an elevator. In the U.S., the National Fire Protection Association defines a high-rise as being higher than 75 feet (about 7 stories). MID Rise – Apartment or condos being from 4 stories to 7 stories in height. Leaving low-rise to mean anything under 4.
Having been in the mortgage industry once for over 13 years I know first hand that getting loans for condos isn’t as easy as it is for buying a single family detached property. There are a lot more factors that come into play with an attached home vs unattached. Reason being, condos are usually less desirable and become even more less desirable if the community has other factors in play most of which concern the occupancy of primary residence vs renters. From a lenders standpoint a community becomes more risky to lend in if the majority of the condo development is comprised of tenants vs owners. Except in a vacation or second home scenario because then they know it’s common place and standard procedure and most owners have their units in a professional vacation rental program for investment purposes. Whereas a regular suburban condo development was never set up for that purpose. For instance: Fannie Mae Loans require – A project for which all of the following are true:

  • at least 90% of the total units in the project have been conveyed to the unit purchasers;
  • the project is 100% complete, including all units and common elements;
  • the project is not subject to additional phasing or annexation; and
  • control of the HOA has been turned over to the unit owners.

FHA – Condominium mortgages are the best performing loans in their portfolio, accounting for only 5.79% delinquency vs 6.96% for detached single family. FHA Condominium Resource book states that prior to the change in FHA’s condo policy, the FHA’s market share of condos and single family moved closely together, even as the FHA receded from the market at the height of the bubble. Since the policy change, the two market shares have diverged steadily over time with the exception of 2013.

  • The owner-occupancy requirement is 50% (Current legislation requests dropping to 25%)
  • No more than 15% of units be more than 60 days due, excluding REOs. Dues for lender owned units are rarely received by associations in a timely fashion. Some state laws prohibit collection of delinquent assessments until 90 days past due, and many association governing documents do not consider owners to be delinquent until 60-90 days. (New law requests 90 days instead of 60)
  • No more than 50% of units can be FHA insured already. (NAR requests new legislation increase it to 100%)

Townhouse also known as “row house”, without getting into too much technical jargon since they are much like that of condos, the easiest way to summarize is that the owner of each unit owns the dirt/ land and liability under, in front, or behind their unit. Most often recognized by home that touches the ground and has a small front and back yard. In most instances there is still a community HOA for the neighborhood common areas upkeep, and exterior maintenance unless otherwise stated in the by laws or CCRs. 
PROs – when living in a condo every owner shares in the expense of the amenities (if there are such), usually lower prices unless living in high congested cities such as Miami or NYC for example. No responsibility of yard or property maintenance except for interior of your unit. If you live in a mid or high rise, depending on location often times beautiful vistas due to height vs being in a house closer to ground.                          CONs – Sometimes costly monthly or quarterly regime dues, and sometimes also yearly HOA dues as well. Risk of poor capital management by the HOA. For example if budget set out by the HOA isn’t properly estimated or mismanaged, the association of home owners (i.e. ALL owners) could be responsible for unforeseen out of pocket expense for necessary work in the community. Fear of “special assessments,” which is just a snazzy expression for pay up because we don’t have enough money to cover the cost of whatever it is that is needed to be done to protect your asset. A good instance could be all the roofs of the entire complex community need to be replaced and their is not enough capital in the budget to cover that expense or something unforeseen in the development came up that has to be addressed and monies weren’t set aside for such an event.

Mount Pleasant CondosDaniel Island CondosJames Island CondosWild Dunes CondosKiawah Island Condos Johns Island CondosFolly Beach CondosIsle of Palms Condos – West Ashley Condos

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Under Contract

1300 Ocean, Isle of Palms, SC, 29451

1 Beds 1 Baths 490 Sqft
This beautiful 2nd floor unit has wide open views of the ocean from the porch and as you sit in the living room. The recently renovated kitchen is sure to impress with new cabinets, counter tops, and...
This beautiful 2nd floor unit has wide open views of the ocean from the porch and as you sit in the living room. The recently renovated kitchen is sure to impress with new cabinets, counter tops, and...
$ 334,900

1502 Ocean Club, Isle of Palms, SC, 29451

4 Beds 4 Baths 2809 Sqft
Ocean Club Penthouse Right on the Ocean Recently Renovated. One of the Premier Complexes in the Southeast Ocean Club. A Gated Community within a Gated Community. See the Ocean from the minute you...
Ocean Club Penthouse Right on the Ocean Recently Renovated. One of the Premier Complexes in the Southeast Ocean Club. A Gated Community within a Gated Community. See the Ocean from the minute you...
$ 1,695,000
Price Increase
(+15.49%)
Golf

1411 Ocean Club, Isle of Palms, SC, 29451

3 Beds 3 Baths 2139 Sqft
Just about everything you've ever desired in a luxurious, maintenance-free lifestyle can be yours in this fabulous 2,139 sq. ft. residence. To begin with, this popular ''B'' floor plan 4th-floor...
Just about everything you've ever desired in a luxurious, maintenance-free lifestyle can be yours in this fabulous 2,139 sq. ft. residence. To begin with, this popular ''B'' floor plan 4th-floor...
$ 969,000
Price Drop
(-6.5%)
Golf

4431 Sea Forest, Kiawah Island, SC, 29455

2 Beds 2 Baths 1002 Sqft
This 3rd floor 2 bedroom oceanfront villa showcases elevated ceilings and beautiful ocean views. The villa features a calming color palette, soaring ceilings and abundant natural light in the main...
This 3rd floor 2 bedroom oceanfront villa showcases elevated ceilings and beautiful ocean views. The villa features a calming color palette, soaring ceilings and abundant natural light in the main...
$ 719,000
Price Drop
(-1.6%)
Under Contract

121 Arctic, Folly Beach, SC, 29439

1 Beds 1 Baths 512 Sqft
Least expensive ocean front property at Folly...kitchen renovation offers stone counter, drawer dishwasher, smooth top stove w/built-in microwave,disposal. Designer back splash.Bathroom update ...
Least expensive ocean front property at Folly...kitchen renovation offers stone counter, drawer dishwasher, smooth top stove w/built-in microwave,disposal. Designer back splash.Bathroom update ...
$ 369,000
Price Drop
(-9.84%)
Golf

1331 Pelican Watch Villa, Seabrook Island, SC, 29455

1 Beds 2 Baths 906 Sqft
Beautifully updated ocean front condo! Lower level villa with spectacular, unobstructed ocean and river views! The beach access boardwalk is only steps away from your back door! Enjoy beautiful...
Beautifully updated ocean front condo! Lower level villa with spectacular, unobstructed ocean and river views! The beach access boardwalk is only steps away from your back door! Enjoy beautiful...
$ 284,000
Golf

1375 Pelican Watch Villa, Seabrook Island, SC, 29455

1 Beds 2 Baths 906 Sqft
It's all about location, and this ocean front Pelican Watch has it! This lower level villa has spectacular views of the Edisto River and Atlantic Ocean, with direct boardwalk access to the beach....
It's all about location, and this ocean front Pelican Watch has it! This lower level villa has spectacular views of the Edisto River and Atlantic Ocean, with direct boardwalk access to the beach....
$ 329,000
Price Drop
(-4.13%)
Golf

4739 Tennis Club, Kiawah Island, SC, 29455

1 Beds 1 Baths 647 Sqft
Premier one bedroom, nicely,furnished unit with wood flooring and updated kitchen. Private screened porch for added outdoor enjoyment. Villa is conveniently located to The Sanctuary Hotel, Roy Barth...
Premier one bedroom, nicely,furnished unit with wood flooring and updated kitchen. Private screened porch for added outdoor enjoyment. Villa is conveniently located to The Sanctuary Hotel, Roy Barth...
$ 287,500
Price Drop
(-6.04%)
Golf

4524 Park Lake, Kiawah Island, SC, 29455

2 Beds 2 Baths 982 Sqft
FULLY RENOVATED two bedroom, two bathroom second floor villa in Parkside. As you walk into the villa your are greeted with an upscale kitchen that flows beautifully into the dining and living room....
FULLY RENOVATED two bedroom, two bathroom second floor villa in Parkside. As you walk into the villa your are greeted with an upscale kitchen that flows beautifully into the dining and living room....
$ 374,900
Price Drop
(-1.95%)

33 Calhoun, Charleston, SC, 29401

3 Beds 2 Baths 1673 Sqft
Here is your chance to purchase a light-filled, top floor 3BR 2Bath Condo with windows on 3 sides and harbor views. There is an open kitchen and main living area floor plan. The master suite has a...
Here is your chance to purchase a light-filled, top floor 3BR 2Bath Condo with windows on 3 sides and harbor views. There is an open kitchen and main living area floor plan. The master suite has a...
$ 755,000
Price Drop
(-4.84%)
Golf
Under Contract

5804 Palmetto, Isle of Palms, SC, 29451

2 Beds 2 Baths 1231 Sqft
ALL OFFERS WOULD BE CONSIDERED!!!FURNISHED END UNIT WITH GREAT RENTAL HISTORY. THERE IS A WRAP AROUND PRIVATE BALCONY THAT HAS VIEWS OF THE POND AND COURTYARD. THIS CONDO IS SOLD TURN KEY WITH...
ALL OFFERS WOULD BE CONSIDERED!!!FURNISHED END UNIT WITH GREAT RENTAL HISTORY. THERE IS A WRAP AROUND PRIVATE BALCONY THAT HAS VIEWS OF THE POND AND COURTYARD. THIS CONDO IS SOLD TURN KEY WITH...
$ 570,000

215/217-B Village At Wild Dunes, Isle of Palms, SC, 29451

2 Beds 2 Baths 1277 Sqft
Located within the gated community of Wild Dunes, this well-appointed condo is the perfect personal getaway or vacation rental. It has a great rental history & can be rented as a 2 bedroom condo, a 1...
Located within the gated community of Wild Dunes, this well-appointed condo is the perfect personal getaway or vacation rental. It has a great rental history & can be rented as a 2 bedroom condo, a 1...
$ 639,500
Price Increase
(+21.57%)
Waterfront
New Construction
Under Contract

0 Marsh Harbor, Mount Pleasant, SC, 29464

3 Beds 3 Baths 2060 Sqft
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
$ 789,000
Waterfront
New Construction
Under Contract

0 Marsh Harbor, Mount Pleasant, SC, 29464

3 Beds 3 Baths 2060 Sqft
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
$ 659,000
Waterfront
New Construction
Under Contract

0 Marsh Harbor, Mount Pleasant, SC, 29464

3 Beds 3 Baths 1950 Sqft
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
$ 659,000
Price Increase
(+23.92%)
Waterfront
New Construction
Under Contract

0 Marsh Harbor, Mount Pleasant, SC, 29464

3 Beds 3 Baths 1950 Sqft
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
$ 829,000
Waterfront
New Construction
Under Contract

0 Marsh Harbor, Mount Pleasant, SC, 29464

2 Beds 2 Baths 1375 Sqft
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
$ 539,000
Waterfront
New Construction
Under Contract

0 Marsh Harbor, Mount Pleasant, SC, 29464

2 Beds 2 Baths 1470 Sqft
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
$ 539,000
Waterfront
New Construction
Under Contract

0 Marsh Harbor, Mount Pleasant, SC, 29464

2 Beds 2 Baths 1300 Sqft
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
Throughout all residences, the finest finishes, features, and appliances bring comfort and finesse to every room. From generous closet space and the convenience of a full-size laundry room to custom...
$ 539,000
Price Drop
(-2.27%)
Golf
Under Contract

4752 Tennis Club, Kiawah Island, SC, 29455

1 Beds 1 Baths 692 Sqft
Short Sale! Bring Offers! For Sale Furnished - Enjoy expansive lagoon views from this terrific second floor end unit villa. This 1 BR/1BA villa has hardwood floors in the Kitchen and Dining areas and...
Short Sale! Bring Offers! For Sale Furnished - Enjoy expansive lagoon views from this terrific second floor end unit villa. This 1 BR/1BA villa has hardwood floors in the Kitchen and Dining areas and...
$ 215,000
Golf
Under Contract

2903 Cathedral, Charleston, SC, 29414

3 Beds 3 Baths 2084 Sqft
OK HERE IS A HOME THAT HAS EVERYTHING!! Pool, Walking Paths, Golfing, Large Park to Play Ball or Play with your hound. Enjoy taking long bike rides on the walking/bike paths. 2 Masters Upstairs and a...
OK HERE IS A HOME THAT HAS EVERYTHING!! Pool, Walking Paths, Golfing, Large Park to Play Ball or Play with your hound. Enjoy taking long bike rides on the walking/bike paths. 2 Masters Upstairs and a...
$ 201,500
Price Drop
(-20.05%)

3 Chisolm, Charleston, SC, 29401

2 Beds 2 Baths 1855 Sqft
Sophisticated 2 bedroom, 2 bath condominium located at 3 Chisolm, a Condominium Building located just South of Broad. This building was originally built in 1923 as a Vocational School in the...
Sophisticated 2 bedroom, 2 bath condominium located at 3 Chisolm, a Condominium Building located just South of Broad. This building was originally built in 1923 as a Vocational School in the...
$ 1,699,000
Price Drop
(-12.06%)
Golf

3006 Ocean Winds, Seabrook Island, SC, 29455

2 Beds 2 Baths 1510 Sqft
Spacious, 2nd floor two bedroom condo within walking distance of the beach and club amenities, perfect for a full time residence or beach get-a-way. Enjoy great golf views in a quiet peaceful island...
Spacious, 2nd floor two bedroom condo within walking distance of the beach and club amenities, perfect for a full time residence or beach get-a-way. Enjoy great golf views in a quiet peaceful island...
$ 299,000

 

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