95 Harbor Oaks Ln

Saint Helena Island, South Carolina, 29920

Redeemable DeedpendingSells Oct 5, 2026 · 3 days ago

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SqFt: 0
Lot Size: 46,609
APN: R300 019 000 0009 0000

Property Type: Land
Distressed: No
Vacant: No
Owner Type: Individual
Length of Ownership: 2 Years 11 Months
Purchase Method: Financed
County: Beaufort

Value

Estimated Value: $100,000
County Market Value: $98,000; 2025
Assessed Value: $5,880; 2025

Mortgage & Debt

Open Mortgages: 1
Estimated Balance: $196,000
Lien Flags: None recorded; RealEstateAPI flags · not a lien search

Last Sale

Public Record: $98,000; 10/04/2023
MLS: $98,000; 09/07/2023
Document Type: Warranty Deed

Opportunity

Opening Bid: $2,304
Bid / Value: 2%; of $100,000
Property Tax 2025: $1,656; annual bill · not the amount owed
Equity (est.): $0; 0%

Opening bid

$2,304

Assessed value

$5,880

Market / AVM

$100,000

Property tax 2025

$1,656

Annual bill — the sale list gives no amount owed

Property facts enriched via realestateapi · 10/1/2026

Ownership Information

Owner 1 Name: David Reed
Owner 2 Name: Pamela Reed
Mailing Address: 95 Harbor Oaks Ln, Saint Helena Island, SC 29920
Owner Type: Individual
Corporate Owned: No

Land/Location Information

APN: R300 019 000 0009 0000
Property Class: The general use for the property is for residential purposes

Deal analysis

Date	Status	Price	Days on Market	Agent	Office
09/07/2023	Pending	$98,000	0	Harriett W Bosiack	BHHS Bay Street Realty

Recorded	Position	Amount	Type	Lender	Term	Maturity	Doc #
10/04/2023	First	$196,000	Open End Mortgage / Open End With Future Advance Clause	Agsouth Farm Credit Aca	180	11/01/2038	2023047731

Recorded	Position	Amount	Type	Lender	Term	Maturity	Doc #	Open
10/04/2023	First	$196,000	Open End Mortgage / Open End With Future Advance Clause	Agsouth Farm Credit Aca	180	11/01/2038	2023047731	Yes

Sale Date	Recorded	Amount	Document	Doc #	Arm's Length	Method	Buyer	Seller
10/04/2023	10/11/2023	$98,000	Warranty Deed	2023047731	Yes	Financed	David Hazen Reed, Pamela Kay Reed	Patrick B Greaser, Eloise C Greaser
04/27/2017	06/20/2017	$65,000	Warranty Deed	2017033103	Yes	Cash Purchase	Patrick B Greaser, Eloise C Greaser	Charlotte M Mccreary

Your maximum bid

$54,750

Walk away above this. Projected profit at the ceiling: $30,000 (30% of ARV).

Opening bid $2,304

Room to bid $52,446

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$21,093

Under max by $33,657

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for SC|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $100,000. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $100,000
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$8,000
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical SC range ($1,800–$5,000, ~5 months).: −$3,400
Deed recording and transferassumed Typical SC recording and deed issuance cost.: −$250
Holding costs (24 months)assumed Taxes, insurance, and securing the property at ~$150/month.: −$3,600
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$30,000
Maximum bid: $54,750

If the owner redeems

Flat penalty

You'd receive

$1,643

Window

365 days

A 3% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

Quoted elsewhere as 12% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. THE PENALTY IS CAPPED AT THE OPENING BID. § 12-51-90 provides that interest due on redemption may not exceed the forfeited land commission's bid under § 12-51-55 — roughly taxes plus costs. The tiers above are therefore a ceiling reached only by a bid at or near the minimum; a purchase at several times the minimum collects the same capped sum, so the effective yield falls as the premium rises.
South Carolina's ratio depends on the property's CLASS, and this entry uses the 6% residual. A parcel actually carrying the 4% legal-residence ratio will have its ARV understated by a third here, which is the safe direction. A manufacturing or utility parcel assessed at 10.5% is the dangerous one: dividing by 0.06 overstates its value by roughly 1.75x. Confirm the class on the assessor's record before bidding on anything that is not ordinary residential or commercial land.

95 Harbor Oaks Ln

Value

Mortgage & Debt

Last Sale

Opportunity

Ownership Information

Land/Location Information

95 Harbor Oaks Ln

Value

Mortgage & Debt

Last Sale

Opportunity

Ownership Information

Land/Location Information

Legal Description

Tax Assessment Information

Last Arm's Length Sale Information

Recording Information

Buyer/Seller Information

Distress Flags

Listing

MLS History

Area

Fair Market Rents

Tax Assessment Information

Open Mortgages

Mortgage History

Sale History

County records

Beaufort County rules

Historical comps

Verify before you bid