Isle of Palms (Non-Resort)

Isle of Palms is a seven-mile barrier island twelve miles northeast of downtown Charleston, with about 4,400 homes and six miles of Atlantic shoreline. This guide covers the non-resort residential island — the Front Beach district, Ocean Boulevard corridor, Palm Boulevard interior, and all non-gated condos and cottages outside the Wild Dunes gate. Wild Dunes is covered separately. What buyers need to verify here: HOA and regime fees by building, FEMA flood zone exposure (VE oceanfront, AE interior), short-term rental licensing under the city's non-capped STR policy, and the total annual insurance burden before you make an offer.

• Location: Barrier island, ~12 miles northeast of downtown Charleston
• Total homes: ~4,440 (island-wide, including Wild Dunes)
• Year-round population: ~4,362 residents (2024 ACS)
• Home styles: Lowcountry, raised beach cottages, elevated single-family, mid-rise condos
• Price range: $750K – $12M+
• Median sale price: ~$1.8M (island-wide, 12-month)
• Median year built: 1985
• Typical lot size: ~0.26 acres
• Island-wide HOA: None (building-level regimes only)
• County stormwater fee: ~$72/year per parcel
• Flood zones: VE 11–15 ft at oceanfront; AE 9–12 ft interior; some Zone X
• Property tax district: Charleston County District 24 — 236.2 mills (2025)
• Schools (zoned): Sullivan's Island Elementary → Moultrie Middle → Wando High
• STR policy: Licensed rentals permitted; no hard cap
• Bike score: 60/100
• Distance to downtown Charleston: ~12 miles / 25–30 min drive

Isle of Palms is the Charleston-area beach that still lets you rent out your house. Sullivan's Island, immediately to the south across Breach Inlet, prohibits short-term rentals and has tighter zoning — which is a big part of why its home values run roughly three times higher per square foot. Folly Beach, on the other side of the harbor, is smaller, rowdier, and draws a different buyer profile. Isle of Palms sits in the middle: a working beach town with a seven-mile beach, a resident population that actually lives here year-round, and a rental economy that makes second-home ownership financially rational for many buyers.

The island was seasonal Sewee territory for centuries before it was called "Hunting Island" and later "Long Island" on English maps. On June 29, 1776, British forces attempted to cross Breach Inlet to attack Colonel William Moultrie's position on Sullivan's Island; the crossing failed, and the attack was part of the larger British defeat that day. On February 17, 1864, the CSS Hunley departed from near Breach Inlet and became the first submarine in history to sink an enemy warship.

J.S. Lawrence bought the island in the late 1890s, renamed it Isle of Palms, and built the resort trade around rail and ferry service from Mount Pleasant. By 1912 James Sottile was operating a beach pavilion with a Ferris wheel. The ferry service failed financially in 1924, and the 1929 opening of the Grace Memorial Bridge between Charleston and Mount Pleasant shifted the island's access to automobiles.

The modern residential island traces to the mid-1940s, when J.C. Long's Beach Company acquired most of the undeveloped land and built postwar veterans cottages — two-bedroom, roughly 800-square-foot homes on concrete slabs, along with the low-cost all-concrete "ALCON" design. Those mid-century cottages are the bones of today's island, though many have been replaced or elevated since Hurricane Hugo made landfall on September 22, 1989 — a Category 4 storm with an ~11-foot surge that damaged essentially every structure on the island.

Hugo permanently reset Isle of Palms' price structure. Under-insured owners sold damaged lots, post-storm building codes drove up construction costs, and elevation requirements eliminated the affordable ground-level cottage format. Thirty-plus years later, the island-wide median sale is ~$1.8M, single-family medians run ~$2.15M, and oceanfront new construction regularly exceeds $10M. The October 2, 1993 opening of the Isle of Palms Connector (SC 517) — a direct bridge from Mount Pleasant — was the other piece of the modern equation, cutting the off-peak drive to downtown Charleston to ~25–30 minutes.

Non-resort Isle of Palms homes range from roughly $750,000 for older cottages and small condos to more than $12M for new-construction oceanfront mansions, with a 12-month island-wide median sale price of ~$1.8M and an average of ~$2.19M.

Entry / value tier ($750K – $1.5M): Older 1960s–1980s raised cottages and ranches on interior Palm Boulevard and cross-street lots, plus older condos. These are the properties where a buyer is often paying for the lot and the IOP address more than the structure. Many of these homes need substantial updating, and some still have pre-1989 construction that predates modern wind and flood codes.

Mid-range ($1.5M – $3M): The heart of the resale market — renovated or rebuilt single-family homes on Palm Boulevard and the numbered avenues, marsh-front and waterway homes, and well-appointed second-row properties a block or two off the beach. This is where most resale transactions happen: 2,000–3,500 square feet, 0.2–0.4 acre lots, built in the 1970s–1990s and updated.

Premium / oceanfront ($3M – $12M+): The oceanfront stretch of Ocean Boulevard — locally called "Millionaire's Row," which is a marketing label and not an HOA or municipal district — is where the top of the market lives. New-construction elevated homes with deepwater docks, 5,000–7,000 square feet, and lots up to ~1.8 acres. Direct-oceanfront new construction at the top end trades in the $9M–$13M range.

Isle of Palms is not organized into named HOA subdivisions the way a mainland master-planned community is. Locals and agents talk about five loose character zones:

Front Beach district (Ocean Blvd, 10th–14th Avenue): The commercial hub — the Windjammer, restaurants, retail, municipal parking, and the entrance to Isle of Palms County Park. Condo buildings (Sea Cabins, Oceanside Villas, Dunescape, Ocean Palms, Ocean Inn, the Palms Oceanfront Hotel, 1140 Ocean Blvd) cluster here. This is the highest-density, most tourist-oriented stretch of the island.

Residential Ocean Boulevard corridor: Running from 1st Avenue to ~41st Avenue outside the Front Beach block, the oceanfront mixes single-family homes, cottages, and smaller condo buildings. The southern end (1st–10th Avenue) near Breach Inlet holds older cottages and smaller lots; mid-island oceanfront has the highest-value trophy properties.

Palm Boulevard interior corridor: The main east-west spine. A mix of second-row single-family homes, duplexes, and older ranch houses. Generally quieter than Ocean Boulevard, with easier parking and lower flood-zone exposure.

Waterway / Hamlin Sound side: Marsh-front and creek-front homes on the Intracoastal Waterway side of the island, often with private docks. Flood zones are typically AE rather than VE, and the sound side tends to feel more residential and less rental-heavy than the oceanfront.

South end near Breach Inlet (1st–10th Avenue): Older cottages on smaller lots with close access to Sullivan's Island across the inlet. Popular with full-time residents and long-held family properties.

Two non-resort communities have their own HOAs rather than operating as single-building regimes:

• Beachside is a private community of 58 cottages off Palm Boulevard near the Coastal Retreat Center, with its own pool and tennis court. Confirm current HOA dues in the resale package.
• Pavilion Place is a six-home enclave in the 1001–1003 Ocean Boulevard range with a shared pool. Dues cover fence, landscaping, and lawn maintenance; confirm the current amount in the resale package.

Living on Isle of Palms year-round means a golf-cart beach town for eight months and a tourist economy for four. The rhythm is seasonal, and buyers who expect continuous year-round energy should understand the math before writing an offer.

Only ~36% of Isle of Palms housing units are occupied by year-round residents — the rest are second homes, short-term rentals, and seasonally occupied properties. The year-round resident population is ~4,362; summer beach-season counts run in the 12,000–20,000 range on peak holiday weekends.

What this means day-to-day: summer weekends are intense, with full parking lots, Connector backups, and restaurant waits. Winter is quiet — not empty, but quiet. The Recreation Center on 24th/29th Avenue runs year-round adult and senior programs that function as the social spine in the off-season. Full-time residents learn to love November through March; visitors tend to see only the July version of the island.

Street-legal golf carts are the default way to get around. South Carolina law requires registration, insurance, and a licensed driver, with daylight-only and ≤35 mph road restrictions. Isle of Palms adds its own layer: golf carts are banned on Palm Boulevard (the main spine) and on the IOP Connector. Legal golf-cart routes run the residential side streets and the signed golf-cart paths the city has designated over the past several years. Buyers who plan to use one as primary transportation should map their route in advance.

The Harris Teeter at 1513 Palm Boulevard is the only on-island grocery store. Longtime residents still sometimes call it by its former "Red and White" name. For anything beyond a grocery top-off — specialty retail, big-box, medical appointments — residents cross the Connector to Mount Pleasant.

Island dining concentrates in the Front Beach district and along Palm Boulevard. The short list includes Coda del Pesce (upscale Italian with ocean views), Long Island Cafe, Acme Lowcountry Kitchen, The Boathouse, The Dinghy (a fish-and-chips dive bar with live music), and the Windjammer — a beachfront live-music venue open since 1972 that hosted early Darius Rucker and Hootie & the Blowfish sets and was rebuilt after Hugo.

Isle of Palms County Park at 1 14th Avenue is a Charleston County Parks facility with 445 parking spaces, restrooms, changing areas, outdoor showers, seasonal lifeguards, a playground, and concessions. It's the primary managed beach access on the island.

Isle of Palms is heavily dog-friendly but strictly regulated. Off-leash hours shift with the season. From April 1 through September 14, dogs are allowed off-leash only between 5:00 and 9:00 AM; from September 15 through March 31, off-leash runs 4:00 PM to 10:00 AM. Outside those windows dogs must be leashed, even in the water. The city's Bark Park is at 29th Avenue behind the Recreation Center.

Sea-turtle nesting season runs May 1 through October 31. Oceanfront property owners must shield or turn off exterior lights facing the beach from sunset to sunrise under Sec. 5-4-17 ("Lights Out for Loggerheads"). Beach furniture, tents, and equipment must be removed nightly during nesting season under Sec. 5-4-15 — anything left overnight gets removed and disposed of. The volunteer Island Turtle Team monitors nests and relocates eggs from dangerous positions. Federal penalties for harming a nest or hatchling can reach $25,000 and a year in prison.

Other resident-facing environmental rules: dune protection under Sec. 6-2-23, marsh-buffer setbacks under Sec. 5-4-18 that work in tandem with state coastal regulations, and tree-removal permits under Sec. 5-4-61 with elevated protection for "Historic" and "Significant" trees. The island also bans single-use plastic bags, straws, Styrofoam containers, balloons, and smoking/vaping on the beach.

Isle of Palms is about 12 miles from downtown Charleston, a 25–30 minute off-season drive via the Isle of Palms Connector (SC 517) and I-526, or 30–35 minutes via the older Ben Sawyer Bridge (SC 703) through Sullivan's Island. Charleston International Airport is ~22 miles / ~35 minutes via I-526.

The Connector story matters to buyers. The bridge opened October 2, 1993 and has never had a toll. During peak summer weekends and holidays, vehicle counts exceed 25,000 trips per day and backups approaching the bridge regularly extend 3–4 miles, pushing drive times to 45–60 minutes just to get across. The city is studying an AI-enabled traffic-light system at Palm Boulevard and the Connector, restriping the Connector for two outbound lanes during peak outflow, and expanding beach shuttle service. The Connector is also the primary hurricane evacuation route — SC 517 east to US 17, then westbound toward I-26 and Columbia during contraflow. The bridge moves to Yellow status around 30 mph sustained winds and Red near 40 mph.

There's no hospital on the island. East Cooper Medical Center and Roper St. Francis Mount Pleasant are both in Mount Pleasant, ~8 miles from central Isle of Palms. Higher-acuity care means driving to downtown Charleston or North Charleston.

Isle of Palms sits in Charleston County School District (Moultrie Constituent District 2) and is zoned to three schools, all rated A on Niche and 9–10 on GreatSchools. The zoning has been stable across the district's 2019 rezoning.

Elementary students commute off-island to Sullivan's Island for Sullivan's Island Elementary — the zoned school sits across Breach Inlet. Middle and high schoolers cross the Connector to Mount Pleasant. The Sullivan's Island Elementary → Moultrie Middle → Wando High pathway is one of the strongest feeder chains in Charleston County and is a primary pull factor for families considering the island.

Lucy Beckham High School opened in Mount Pleasant to relieve Wando's overcrowding but is not zoned for Isle of Palms. Zoning can change — confirm with CCSD before buying on school assumptions.

There is no island-wide HOA on Isle of Palms. Outside the Wild Dunes gate, a single-family home is typically governed by the city code and the Charleston County stormwater fee (~$72/year). HOAs and regime associations exist at the building or small-community level. These are the non-resort regimes and communities where fees apply:

Fees move year to year, and several buildings assess different amounts by unit type. Regime fees are not published here because figures sourced from listing aggregators and HOA webpages can lag actual assessments; pull the current fee from the seller's resale package before you price the carrying cost.

For most of the island's single-family inventory, there is no HOA, no architectural review board, and no community-level assessment. Exterior changes are governed by the city's building code, design and zoning ordinances, tree-removal rules (Sec. 5-4-61), marsh buffers (Sec. 5-4-18), and — for any substantial renovation — the 50% substantial-improvement rule. That flexibility is one of the island's appeals for buyers coming from communities with restrictive review boards. It also means a neighbor can rebuild a modern elevated mansion next to your 1970s cottage without asking anyone's permission.

Isle of Palms is a barrier island, and essentially the entire developed footprint sits in or immediately adjacent to a FEMA Special Flood Hazard Area. The current effective map is the 2021 FIRM. Island-wide, 99 distinct flood-zone features appear on the map, distributed as follows:

Oceanfront Ocean Boulevard properties are predominantly VE 11–15 ft. Waterway and marsh-side homes are typically AE 9–12 ft. Some interior mid-island parcels sit in Zone X. For any specific parcel, use FEMA's Flood Map Service Center (msc.fema.gov) or check the current flood certification in the seller's disclosure package.

Isle of Palms' flood-damage-prevention ordinance adds local stringency on top of the FEMA minimums. The three rules buyers actually need to know:

• Design Flood Elevation (DFE): BFE + 1 foot freeboard, with an absolute floor of 13 ft MSL — whichever is higher governs. New construction and substantial renovations must meet the DFE at the lowest finished floor.
• 50% Substantial Improvement Rule: If cumulative improvements or repairs reach 50% of the pre-improvement market value of the structure, the entire building has to come into full compliance. A cottage built at 10 ft can be forced to elevate to 13+ ft if a major renovation tips over the threshold. This is the rule that effectively forces teardowns on some older Isle of Palms cottages.
• LiMWA band: In the interior portion of the AE zone closest to the ocean, city code applies heightened wave-loading construction standards (this is the Limit of Moderate Wave Action band). Buyers planning a new build in that band should expect VE-equivalent construction cost.

Isle of Palms participates in FEMA's Community Rating System, and the city's current class earns a 25% discount on NFIP premiums for policies on SFHA parcels. On a ~$3,000 NFIP premium that's ~$750/year back.

Standard NFIP residential coverage limits are $250,000 for the building and $100,000 for contents (1–4 family). Condo buildings typically carry a master flood policy on the structure, and individual owners may carry optional contents coverage. Primary-residence policies carry a $25/year surcharge; non-primary policies carry $250/year — a $225/year delta that compounds over a long hold.

Post-Risk Rating 2.0, premiums are driven by property-level variables (distance to water, first-floor elevation, construction type) rather than zone label alone. Elevated homes generally price materially better than non-elevated homes in the same zone.

The full Isle of Palms insurance stack combines three policies: homeowners, wind/hail (often through the SC Wind and Hail Underwriting Association — the "Wind Pool"), and flood (NFIP and often a private excess flood policy for high-value homes). Planning bands:

For wind/hail, Charleston County Zone 1 (which covers Isle of Palms) is served by the SC Wind and Hail Underwriting Association. SCWHUA took a 21.3% rate increase in June 2024 and an 8% increase in February 2026. The Wind Pool caps residential limits at $1.3M per risk, with a 3% named-storm deductible; on a $2M home, that's a $60,000 out-of-pocket exposure per named storm before the policy responds. Get an address-specific quote rather than relying on a rate-filing average.

Typical full-stack annual premium (homeowners + wind + flood):

• Mid-island standard home, AE zone: lower total premium — homeowners + a wind/hail policy under the SCWHUA cap + an NFIP AE policy.
• Oceanfront VE zone: higher total premium — homeowners + a wind/hail policy (and often an excess-wind layer above the SCWHUA $1.3M cap) + an NFIP VE policy + a private excess flood policy over the $250K NFIP limit.

Totals move dramatically with elevation, construction age, carrier, and whether excess layers are required. Get an address-specific quote bundle early in the diligence window rather than relying on a generic planning range. Some insurers have pulled out of the South Carolina coastal market; what's quotable today may not be quotable next renewal.

Isle of Palms is Charleston County Tax District 24. The 2025 combined millage is 236.2 mills. South Carolina taxes primary residences at a 4% assessment ratio and non-primary / investment properties at 6%, and the school-operating portion (142.5 mills — the largest single component) is exempted for 4% legal-residence properties.

SC Code §12-43-220 sets a 72-day rental threshold for 4% legal-residence classification. Renting a primary residence for more than 72 days in a calendar year risks reclassification to 6% — on a $1M home at Isle of Palms millage, that's roughly $10,400 more per year. Second-home buyers typically plan for the 6% classification from the start; hybrid owner-occupant / part-time rental strategies need to be modeled carefully.

South Carolina allows the county to reassess a property at the time of sale to reflect the purchase price, which can step up the tax basis on long-held properties that had been appraised well below market. The seller's prior-year tax bill is often not predictive of what the buyer will owe the first year after closing.

Exact amounts, exemptions, and credit factors vary by parcel. Pull the assessor's record for any specific property during diligence.

Isle of Palms allows licensed short-term rentals, and the rental economy is a core part of island ownership math. Sullivan's Island, immediately to the south, prohibits STRs entirely — which pushes Charleston-market vacation rental demand onto Isle of Palms and helps drive both its rental rates and its appeal to second-home buyers.

Every rental property — short-term or long-term — requires a rental business license from the city. The fee schedule runs $450 base for the first $2,000 of gross rental income and $4.60 per $1,000 above that. At typical coastal condo revenue levels the license lands in the ~$800–$1,000 range annually. Fees are due by April 30.

• Overnight occupancy: 2 per bedroom + 2 additional, capped at 12 total (excluding children under 2)
• At any time: twice overnight occupancy or 40 persons, whichever is less
• Vehicles: bedroom/occupancy formula, minimum 2
• STR parking permits: up to 4 per year at $15 each
• Owner/agent: 24/7 phone number on file; a designated representative must be able to be on site within one hour of being contacted

A rental license can be revoked after five founded complaints in a calendar year. Ordinance 2025-05 removed trash-can violations from the strike list and reset the complaint slate effective January 1, 2026.

Guests pay a combined 14% on short-term rental stays:

• State of SC portion (5% sales + 2% state accommodations + 1% local option + 1% county transportation + 1% school) = 10%
• Charleston County accommodations = 2%
• City of IOP accommodations = 1%
• City of IOP beach preservation fee = 1%

Mandatory cleaning fees are taxable. Airbnb and Vrbo typically collect and remit; self-managing owners are on the hook directly.

As of mid-2025, the island's short-term rental landscape looks like this:

Voters rejected a proposed 1,600-license cap at a November 2023 referendum, and the city does not operate a hard numeric cap. For a standard 2–3 bedroom condo or cottage, a $50K–$100K gross-revenue estimate sits within the island's median-to-mean band. Exceptional oceanfront properties with grandfathered high-occupancy licenses may earn multiples of the island median — those figures are not typical and should not anchor a buyer's pro forma.

Island-wide vacation-rental comps range widely. Occupancy on the island typically runs near ~61%, ADR near ~$808, and annual gross near ~$101,700, with 2BR comps clustering around ~$64,000 and 3BR around ~$86,000. Anchor a pro forma on the municipal median of ~$60K and mean of ~$81K first, then layer in property-specific adjustments for bedroom count, oceanfront premium, and management model.

Isle of Palms is a small city running its own water, sewer, and public works. A few infrastructure realities shape ownership:

• Water & sewer: Isle of Palms Water and Sewer Commission. A rate adjustment went into effect in 2025. A new $26.2M wastewater treatment plant came online in 2024.
• Sewer vs. septic: Historically only about a third of island homes were on public sewer. Roughly 1,135 residential properties remain on individual septic systems — a little over 25% of the housing base. Septic concentration skews toward the west end and the Forest Trails service area. Sewer/septic status is a meaningful line item on any diligence checklist: inspection, pumping, and potential future connection assessments vary street by street.
• Electric: Dominion Energy South Carolina. Beach-area homes with HVAC see meaningful summer usage spikes; pull the 12-month billing history from the resale package rather than budgeting to a generic range.
• Natural gas: Available on some streets but not universal across the island. Verify per-property.
• Internet: Xfinity cable and AT&T Fiber both cover most of the island, with street-by-street variation.
• Trash and recycling: City Public Works. Weekly winter pickup; twice-weekly summer pickup.
• Fire/EMS: Island fire department with paramedic staffing. Resident concern about EMS staffing levels surfaced in early 2026; no structural service gap, but staffing is a live issue.

Beach erosion is a structural feature of a barrier island with inlet dynamics at both ends. Major renourishment projects have been completed roughly every 6–10 years: 1983, 2008 (~885,000 cubic yards, ~$8M+), 2014–2015 (~280,000 cy), 2018 (~1.67M cy, ~$11.8M), and 2024–2025 (U.S. Army Corps of Engineers, ~600,000 cy). The current project in the pipeline is a ~$32M / ~2.2M cubic yard renourishment planned for summer 2026; the city council advanced it on a 7–2 vote in February 2026. Funding has been a recurring issue — a ~$10M gap surfaced in January 2026, a $1.5M grant followed in March, and the city has discussed tax or fee increases to close the remainder.

For owners, this matters in two ways: beach width in front of a specific property varies with cycle timing, and funding mechanisms may show up as future city fees or assessments.

Isle of Palms grades A- on AreaVibes and C+ on Niche. Violent crime runs ~137–164 per 100,000, well below national averages. Property crime runs ~1,100–1,325 per 100,000 — a tourist-beach-town pattern tied to rental turnover and seasonal population surges.

Coyotes have become a salient 2026 community concern after a dog was killed in March and multiple sightings were reported. Pet routines at dawn and dusk, trash discipline, and neighborhood awareness are practical issues in a way they are not on most mainland neighborhoods.

Isle of Palms works exceptionally well for some buyers and genuinely doesn't for others. An honest assessment:

• Second-home buyers who want a rentable beach property within driving distance of Atlanta, Charlotte, and the Southeast corridor, and who understand the carrying-cost math of a coastal SFHA home
• Active retirees and empty-nesters — the median age is ~55, and the year-round community, zoned A-rated schools, low crime, and beach lifestyle fit this profile well
• Families prioritizing the Wando feeder path — the Sullivan's Island Elementary → Moultrie Middle → Wando High chain is one of the strongest in Charleston County
• Buyers comfortable with seasonality — who enjoy busy summers and appreciate quiet winters
• Golf-cart-and-beach lifestyle seekers who value walkability inside a small-town grid over urban walkability

• You want urban walkability — Walk Score 20 and Transit Score 0 reflect reality; you drive or golf-cart for anything beyond the immediate block
• You're priced into Isle of Palms by amenity expectations — island insurance, property taxes at 6%, and post-Hugo construction costs push total ownership costs well above the mortgage
• You want the Sullivan's Island experience (no STRs, lower density, tighter zoning) but not the Sullivan's Island price — Sullivan's runs ~3x the IOP per-foot level
• You need on-island medical services — the nearest hospital is ~8 miles away in Mount Pleasant
• You want continuous year-round energy — winter on Isle of Palms is calm; it suits some people and frustrates others

Summer Connector traffic, the one-grocery-store reality, the rental-neighbor dynamic in rental-dense blocks, the ongoing beach renourishment funding cycle, and the insurance stack are all real. None is a deal-breaker for the right buyer; all are worth acknowledging before you close.

• Pull the parcel's FEMA zone — VE vs. AE vs. X materially changes insurance and construction rules
• Get a flood, wind, and homeowners quote bundle before removing financing contingencies
• Verify sewer vs. septic — ~25% of island homes are on septic; confirm connection status and recent service history
• Confirm the HOA or regime fee in the resale package — fees change year to year and should be verified against the current resale package
• Check the STR license history if the property was marketed as a rental — rental income claims should match license records and city-reported gross revenue
• Model property tax at both 4% and 6% — assess whether you'll qualify as a legal residence and whether 72-day rental plans will jeopardize it
• Review any pending renovations against the 50% substantial improvement threshold — cottages built below modern DFE can be forced into full compliance
• For condos, confirm FHA/VA status — no non-resort IOP condos are currently on the FHA approved list; financing typically requires a conventional lender comfortable with non-warrantable projects
• Walk the block at different times — a Wednesday in February and a Saturday in July are two different neighborhoods

The six core buyer questions for Isle of Palms:

• Does Isle of Palms have an HOA?
• What flood zone is Isle of Palms in?
• How much are property taxes?
• Can you short-term rent a home?
• What are typical insurance costs?
• Is Isle of Palms a good place to live year-round?