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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

Results 1 - 24 of 610 Set Up Email Alerts

1848 Mepkin, Charleston, SC, 29407

2 Beds 1 Baths 1008 Sqft
Updated condo in a great location for under $125k!! Updates include new pergo flooring, carpet, fresh paint, kitchen counters, bathrooms, and new SS appliances. The HVAC was recently serviced and is...
Updated condo in a great location for under $125k!! Updates include new pergo flooring, carpet, fresh paint, kitchen counters, bathrooms, and new SS appliances. The HVAC was recently serviced and is...
$ 122,500

1402 Camp, Charleston, SC, 29412

2 Beds 2 Baths 959 Sqft
Second story spacious unit in Point James!!! 2 bedroom, 2 bathroom with fireplace and new balcony. Unit has fresh paint and new LVT and carpet. Unit is located right next to pool and gym!!!HOA covers...
Second story spacious unit in Point James!!! 2 bedroom, 2 bathroom with fireplace and new balcony. Unit has fresh paint and new LVT and carpet. Unit is located right next to pool and gym!!!HOA covers...
$ 122,500
Golf

1616 Live Oak, Seabrook Island, SC, 29455

1 Beds 2 Baths 701 Sqft
MAKE AN OFFER!!! Wonderful opportunity to own a court side condo that has been updated to include a second bathroom. This unit features a great open floor plan and spacious screen porch.
MAKE AN OFFER!!! Wonderful opportunity to own a court side condo that has been updated to include a second bathroom. This unit features a great open floor plan and spacious screen porch.
$ 122,500

700 Daniel Ellis, Charleston, SC, 29412

1 Beds 1 Baths 691 Sqft
Welcome to The Peninsula Condominiums! Third floor 1 bedroom/1 bath unit with a porch. Fantastic location close to downtown and the beach. This community has great amenities including pool, tennis,...
Welcome to The Peninsula Condominiums! Third floor 1 bedroom/1 bath unit with a porch. Fantastic location close to downtown and the beach. This community has great amenities including pool, tennis,...
$ 123,900

1402 Camp, Charleston, SC, 29412

2 Beds 2 Baths 959 Sqft
Don't miss this chance to buy an awesome home on James Island! This conveniently located condo features two bedrooms, two full bathrooms, a huge laundry room/pantry, a large galley-style kitchen,...
Don't miss this chance to buy an awesome home on James Island! This conveniently located condo features two bedrooms, two full bathrooms, a huge laundry room/pantry, a large galley-style kitchen,...
$ 123,900
Golf

1648 Live Oak, Seabrook Island, SC, 29455

1 Beds 1 Baths 744 Sqft
2nd Floor unit freshly painted- Needs some TLCbut makes for a excellent rental or weekend getaway! Vaulted ceiling in Main living areawith screened porch and deck looking directly at center court! ...
2nd Floor unit freshly painted- Needs some TLCbut makes for a excellent rental or weekend getaway! Vaulted ceiling in Main living areawith screened porch and deck looking directly at center court! ...
$ 124,500
Under Contract

700 Daniel Ellis, Charleston, SC, 29412

1 Beds 1 Baths 691 Sqft
New appliances, new laminate flooring throughout, new granite counter tops, freshly painted top to bottom, new light fixtures and ceiling fans. Do yourself a favor and compare this to what else is...
New appliances, new laminate flooring throughout, new granite counter tops, freshly painted top to bottom, new light fixtures and ceiling fans. Do yourself a favor and compare this to what else is...
$ 125,000

1402 Camp, Charleston, SC, 29412

3 Beds 2 Baths 1151 Sqft
Welcome to 1402 Camp Road! Unit 3A is a great FIRST floor unit on the back of the building. Also, it is a 3 bedroom condo and great INVESTMENT.
Welcome to 1402 Camp Road! Unit 3A is a great FIRST floor unit on the back of the building. Also, it is a 3 bedroom condo and great INVESTMENT.
$ 125,000
Under Contract

415 Parkdale, Charleston, SC, 29414

2 Beds 1 Baths 868 Sqft
Renovated condo in the heart of West Ashley! Minutes to Avondale shopping, restaurants, downtown Charleston, the airport and beaches!! Living area downstairs with eat-in kitchen accompanied by two...
Renovated condo in the heart of West Ashley! Minutes to Avondale shopping, restaurants, downtown Charleston, the airport and beaches!! Living area downstairs with eat-in kitchen accompanied by two...
$ 125,000
Under Contract

2321 Treescape, Charleston, SC, 29414

2 Beds 1 Baths 1070 Sqft
nice ground level condo, sellers has added extra cabinetry in kitchen. beautiful view of pond from screened porch. Wood burning fireplace. Large patio of bedrooms. Pool has a fee of 250 per year....
nice ground level condo, sellers has added extra cabinetry in kitchen. beautiful view of pond from screened porch. Wood burning fireplace. Large patio of bedrooms. Pool has a fee of 250 per year....
$ 125,000
Under Contract

415 Parkdale, Charleston, SC, 29414

2 Beds 1 Baths 868 Sqft
Charming 2 story condominium with many new upgrades! Roof was replaced this year, and the A/C in 2017. The carpet, vinyl, doors, crown molding, and paint are all fresh upgrades to this tidy home. The...
Charming 2 story condominium with many new upgrades! Roof was replaced this year, and the A/C in 2017. The carpet, vinyl, doors, crown molding, and paint are all fresh upgrades to this tidy home. The...
$ 125,000
Under Contract

1300 Park West, Mount Pleasant, SC, 29466

1 Beds 1 Baths 777 Sqft
This Open Plan Unit at the Madison at Park West, a Secure Gated Community, is Second Floor! Possible Permanent Residence, Investment, or Beach/Second Home! Just Bring Your Furniture & Suitcases!...
This Open Plan Unit at the Madison at Park West, a Secure Gated Community, is Second Floor! Possible Permanent Residence, Investment, or Beach/Second Home! Just Bring Your Furniture & Suitcases!...
$ 125,000

1300 Park West, Mount Pleasant, SC, 29466

1 Beds 1 Baths 777 Sqft
This Open Plan Unit at the Madison at Park West, a Secure Gated Community, is Second Floor! Possible Permanent Residence, Investment, or Beach/Second Home! Just Bring Your Furniture & Suitcases!...
This Open Plan Unit at the Madison at Park West, a Secure Gated Community, is Second Floor! Possible Permanent Residence, Investment, or Beach/Second Home! Just Bring Your Furniture & Suitcases!...
$ 125,000
Under Contract

1300 Park West, Mount Pleasant, SC, 29466

1 Beds 1 Baths 777 Sqft
This Open Plan Unit at the Madison at Park West, a Secure Gated Community, is Second Floor! Possible Permanent Residence, Investment, or Beach/Second Home! Just Bring Your Furniture & Suitcases!...
This Open Plan Unit at the Madison at Park West, a Secure Gated Community, is Second Floor! Possible Permanent Residence, Investment, or Beach/Second Home! Just Bring Your Furniture & Suitcases!...
$ 125,000
Under Contract

1300 Park W, Mount Pleasant, SC, 29466

1 Beds 1 Baths 777 Sqft
Ever dreamed of living close to the beach? Welcome to the gorgeous Madison community at Park West! Just a stones throw away from Isle of Palms, this spacious condo would make a great permanent...
Ever dreamed of living close to the beach? Welcome to the gorgeous Madison community at Park West! Just a stones throw away from Isle of Palms, this spacious condo would make a great permanent...
$ 125,900

1402 Camp, Charleston, SC, 29412

2 Beds 2 Baths 959 Sqft
Nice condo unit, upstairs (no tenants above). Good sized Family room with wood burning fireplace. Separate dinning area, Nice kitchen and separate laundry room. Two bedrooms and 2 baths. Master suite...
Nice condo unit, upstairs (no tenants above). Good sized Family room with wood burning fireplace. Separate dinning area, Nice kitchen and separate laundry room. Two bedrooms and 2 baths. Master suite...
$ 126,000
Under Contract

1530 Fort Johnson, Charleston, SC, 29412

2 Beds 2 Baths 768 Sqft
Second floor unit convenient to town and Folly Beach. Neighborhood has a pool. Approximately 5 miles to Folly and 2 miles to the James Island Connector bridge. Tenant occupied until the end of July.
Second floor unit convenient to town and Folly Beach. Neighborhood has a pool. Approximately 5 miles to Folly and 2 miles to the James Island Connector bridge. Tenant occupied until the end of July.
$ 127,000
Price Drop
(-2.31%)

700 Daniel Ellis, Charleston, SC, 29412

1 Beds 1 Baths 748 Sqft
Great James Island location! This unit is a private top floor (3rd) unit. No noisy upstairs neighbors! Convenient to downtown, MUSC, Law School, Folly Beach & more. Offering some of the best...
Great James Island location! This unit is a private top floor (3rd) unit. No noisy upstairs neighbors! Convenient to downtown, MUSC, Law School, Folly Beach & more. Offering some of the best...
$ 127,000

60 Fenwick Hall Allee, Johns Island, SC, 29455

1 Beds 1 Baths 816 Sqft
Charming one bedroom condo tucked quietly in the back of Twelve Oaks on Johns Island. Brand new carpet in living area and bedroom. Fantastic natural light from the windows and balcony. Twelve Oaks...
Charming one bedroom condo tucked quietly in the back of Twelve Oaks on Johns Island. Brand new carpet in living area and bedroom. Fantastic natural light from the windows and balcony. Twelve Oaks...
$ 127,000

21 Rivers Point, Charleston, SC, 29412

2 Beds 1 Baths 1050 Sqft
Being less than a mile from the James Island Connector to go to downtown Charleston and 15 minutes from Folly Beach makes this property a must see. This ground floor entry, 2 Bedroom and 1.5 Bath,...
Being less than a mile from the James Island Connector to go to downtown Charleston and 15 minutes from Folly Beach makes this property a must see. This ground floor entry, 2 Bedroom and 1.5 Bath,...
$ 127,500
Golf

2135 Landfall, Johns Island, SC, 29455

1 Beds 1 Baths 708 Sqft
Beautifully located condo with Captivating Views over Bohicket Creek! Light, Bright and Airy. Updates and Upgrades include: Stainless Steel Appliance, Kitchen Cabinets, Granite, and More. This...
Beautifully located condo with Captivating Views over Bohicket Creek! Light, Bright and Airy. Updates and Upgrades include: Stainless Steel Appliance, Kitchen Cabinets, Granite, and More. This...
$ 127,500

2901 Dove Haven, Charleston, SC, 29414

2 Beds 2 Baths 850 Sqft
LOCATION!LOCATION!LOCATION! TWO BEDROOM TWO BATHROOM CONDO WITH WALL TO WALL CARPET. FRESHLY PAINTED. GRANITE COUNTER TOPS. ALL NEW APPLIANCES. THIS UNIT IS CURRENTLY LEASED UNTIL 8/31/2018. MONTHLY...
LOCATION!LOCATION!LOCATION! TWO BEDROOM TWO BATHROOM CONDO WITH WALL TO WALL CARPET. FRESHLY PAINTED. GRANITE COUNTER TOPS. ALL NEW APPLIANCES. THIS UNIT IS CURRENTLY LEASED UNTIL 8/31/2018. MONTHLY...
$ 129,000
Under Contract

507 Stinson, Charleston, SC, 29407

2 Beds 1 Baths 958 Sqft
Don't miss your chance to own this well maintained property located in the quiet gated community of Wildwood. Its less than 6 miles from downtown Charleston and with-in walking distance from the...
Don't miss your chance to own this well maintained property located in the quiet gated community of Wildwood. Its less than 6 miles from downtown Charleston and with-in walking distance from the...
$ 129,900

700 Daniel Ellis, Charleston, SC, 29412

1 Beds 1 Baths 691 Sqft
LOCATION! LOCATION! LOCATION! 3.7 miles from downtown Charleston and only 7 miles to Folly Beach. Enjoy the amazing amenities at The Peninsula, which include a luxury clubhouse, awesome pool, fitness...
LOCATION! LOCATION! LOCATION! 3.7 miles from downtown Charleston and only 7 miles to Folly Beach. Enjoy the amazing amenities at The Peninsula, which include a luxury clubhouse, awesome pool, fitness...
$ 129,900

 

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