Thinking About Buying a Beach Home? Read This First!

As someone who’s been in real estate for over two decades, I’ve helped hundreds of people make their dream of living at the beach a reality. But I’ve also seen buyers make some avoidable mistakes—especially when purchasing coastal properties. Beach living is amazing, but it does come with some unique considerations.

If you’re thinking about buying a home along the Grand Strand, here are five common mistakes you’ll want to avoid. Knowing these can save you money, time, and stress.

1. Forgetting to Check Flood Zones & Insurance Costs

Beach living is beautiful—but it’s also closer to the water, and that comes with risks. One of the biggest mistakes buyers make is not looking into flood zone maps and understanding what that means for their insurance and property maintenance.

A home that looks perfect on the outside could have flood risks that impact your long-term costs. Always research flood zones, ask about elevation certificates, and factor flood insurance premiums into your budget.

2. Overlooking HOA Rules and Fees

Many properties along the Grand Strand are part of Homeowners Associations (HOAs). Some offer incredible amenities like pools, beach access, and security—but they come with fees and rules.

I’ve worked with buyers who fell in love with a property, only to be surprised later by rental restrictions, pet policies, or high monthly fees. Before you fall in love, make sure you’re clear on HOA dues and what’s included.

3. Skipping a Comprehensive Home Inspection

Salt air, wind, humidity, and storms take a toll on coastal homes. Even a property that looks picture-perfect can have hidden issues.

Never skip a full home inspection. I always recommend hiring an inspector familiar with beach properties who will check for things like moisture damage, mold, foundation issues, and roof wear. It’s better to know now than be surprised later.

4. Underestimating Maintenance Costs

Beach homes need more maintenance—period. You’ll need to budget for regular upkeep, whether it’s sealing wood, repainting, checking windows, or dealing with salt air corrosion. It’s all part of living in paradise, but it’s something many buyers overlook.

5. Focusing Only on the View

Don’t get me wrong—I love a great ocean view as much as anyone. But when buying a beach property, you have to think about more than the scenery. Look at parking, distance to grocery stores and medical services, accessibility, and even how busy the area gets in peak tourist season.

Ready to Buy the Right Beach Home?

Buying a beach home is one of the most exciting decisions you’ll ever make. And when you’re informed, it can also be one of the best investments of your life.

If you’re ready to find your dream home on the Grand Strand—and want to avoid these common mistakes—I’m here to help every step of the way.

✨ Contact me today at (843) 222-9327 or KimStevens100@gmail.com. Let’s make your beach home dream a reality!