Cottage / Storybook home in Hilton Head Island, SC
This 900-square-foot Cottage home in Hilton Head Island, SC includes 2 bedrooms and 2 bathrooms. Its Cottage character defines the property's look.
| Price | $769,900 |
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| Beds | 2 |
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| Baths | 2 |
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| Sqft | 900 |
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| Architectural style | Cottage / Storybook (57% match) |
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| Address | 40 Night Heron Lane, Hilton Head Island, SC 29928 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced below comparable homes.
- At $770K, this home is 14% below the $897K median for 54 similar Cottage / Storybook homes in Hilton Head Island, SC.
- That works out to $855 per square foot, 87% above the $458 comparable rate.
- On the market 11 days.
| This home | $769,900 |
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| Cottage / Storybook median in Hilton Head Island, SC | $897,000 (54 homes) |
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| Price per sq ft | $855 vs. $458 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $4,869/month with 20% down at a 7.28% 30-year fixed rate. You would need about $208,655 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $4,214/mo |
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| Property tax (new-buyer reassessed rate) | $366/mo |
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| Homeowners insurance | $289/mo |
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| Total monthly | $4,869/mo |
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| Down payment (20%) | $153,980 |
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| Income needed | $208,655/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C+ (63 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C+ (63/100) |
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| Beats renting in | 16% of modeled paths |
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| Modeled 5-yr equity (median) | $366,983 |
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| Range (10th to 90th pct) | $216,883 to $545,212 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Hilton Head Island, SC where local data is thin.
Local home values
Typical home values in Hilton Head Island, SC have risen about 35% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Zillow