Ashton Pointe Apartment Homes

100 Ashton Pointe Boulevard, Beaufort, SC 29906
Call: 844-820-6515 Email UsAshtonPointe.PropertySite.HHHunt@aptleasing.info View Map

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Apartment Homes Beaufort SC Blog

Reasons to Retire in Beaufort, SC

Joseph Coupal - Wednesday, August 02, 2017

Ashton Pointe, Beaufort, SCBeaufort is located on the mainland, set back from the ocean, tucked between the protected Saint Helena Sound and Port Royal Sound. Beaufort is a fascinating coastal area to find a high quality of life.

Here is why we believe Beaufort is one of the best cities to retire in South Carolina:

Adventure - With more time on your hands at retirement, you will be looking for interesting things to do which won’t require much effort. Kayaking is the most popular water sport here. You will find bottlenose dolphin, bird wildlife and fish habitats. Of course, fishing, boating or walking the beaches at Hunting Island State Park are popular too.

Cuisine - When you think of Beaufort SC neighborhoods, think of fresh seafood. Shrimping and crabbing describe everyday life on the water here. You won’t have a problem finding an excellent place to dine in one of the best cities to retire in South Carolina.

Romance - Bay Street in downtown hugs the Beaufort River. Waterfront Park, the public community lawn for outdoor concerts, has a row of public swings designed for two, overlooking the river. The swings face the Woods Memorial Bridge which leads to Hunting Island State Park - named one of America’s Top 10 Beaches. Antebellum mansions dating back over 200 years are now Romantic Bed & Breakfast Inns overlooking the Beaufort River.

Art - Author John Villani named Beaufort South Carolina as one of the Top 100 Art Towns in America. There are 10 art galleries in downtown Beaufort. ARTworks, sponsored by the Art Council of Beaufort Port Royal and Sea Islands, offers adult art classes 365 days a year; instruction in clay, pottery, basketry, writing and more. Local art festivals, exhibits, theatre and concert performances are coordinated by ARTworks in various locations throughout Beaufort South Carolina. Beaufort SC neighborhoods are a great place to live if you enjoy art.

Patriotism - Parris Island Recruit Depot and Marine Corps Air Station are both located in Beaufort South Carolina. Occasionally, you will hear a fighter jet flying overhead locals call ‘the sound of freedom’. Beaufort SC festivals include musical performances and Presenting the Colors by local military branches dressed up in red white and blue. Veterans have access to the Naval Hospital in Beaufort.

Best Beaches - Hunting Island State Park is just to the east of Beaufort South Carolina on Saint Helena Island. Hunting Island State Park has been named a Top 10 Beach because of the unspoiled miles of shoreline.

Organic - Farms still decorate the horizon as you drive through Lady’s Island, Saint Helena Island and the more rural areas of Beaufort. U-Pick farms and Farmer’s Markets are popular places to find seasonal produce and homemade products. In the summer months, on Wednesday at Beaufort’s waterfront, you will find more local grown products and on Saturday’s, an open air Farmer’s Market takes place in Port Royal.

Festivals - Your calendars will be filled with festivals in the Lowcountry, entertaining and fun events to share with your grandchildren. The Irish Festival, Soft Shell Crab Festival and Taste of Beaufort take place in the spring. The Beaufort Water Festival and Shrimp Festival takes place in the summer. The Fall Festival of Houses and Gardens takes place in October.

Simplicity - It is a pleasure to discover a place offering the simple pleasures of life, what we look for at retirement. The southern charm from the people in Beaufort, makes it easy to meet new friends. Without the noise and dense traffic found in highly populated cities, you will find you can breathe easier in Beaufort and make each moment count. Beaufort is quickly accessible from Interstate 95. The New York Times named Beaufort South Carolina as one of the Best Small Towns.

For more information on apartments in Beaufort, SC contact Ashton Pointe.

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realestatescorecard.com


You May Not Be Ready to Buy a Home

Joseph Coupal - Thursday, July 27, 2017

Ashton Pointe, Beaufort, SCBuying a home can be a good investment. It can be a rewarding experience for you and your family.

But the fact is, it isn't right in every situation and it only works if the buyer is financially prepared. As we saw during the housing crisis, buying a house when you aren't ready can lead to disastrous results.

How can you tell if you're ready? The experts at real estate marketplace Trulia suggest asking yourself some questions.

The first has to do with income. Does your household earn enough money to make the monthly payment on a home, pay for insurance, pay the taxes, and cover maintenance and repairs?

When you rent your home, all of those costs are baked into the monthly rent. If the water heater goes bad, that's the landlord's problem, not yours.

It's true that, with low interest rates, a mortgage might be the same, or even less than rent in some markets. But you can't overlook the other costs of owning a home.

Debt-to-income ratio

What about your debt? If you have outstanding student loans and rising credit card balances, you might not be ready to take on a mortgage. In fact, that could be one thing that might disqualify you.

Lenders look at a borrower's debt-to-income ratio. If the ratio is too high, it reduces the amount you can borrow. In most cases, a lender will want your debt to be no more than 36% of gross income.

When looking at your savings, don't just think about how much you need for a down payment. If the down payment takes all your ready cash, you'll have nothing left to cover those expenses that almost always crop up in the first year of home ownership.

Two important factors

Before considering a home purchase, you also need to make sure you will qualify for a mortgage. Two factors could keep that from happening.

First, you need to have been on the job, or employed in the same industry, for at least two years. Lenders want to see that employment consistency before they'll consider funding your home purchase.

Second, you need a reasonably good credit score. While it is true you might qualify for a subprime mortgage with a marginal credit score, there could be some real disadvantages to being lumped into the subprime sector.

Having a better credit score -- 720 or better -- will get you a better interest rate, in most cases. So it might be wise to spend some time trying to raise your credit score before considering a home purchase, and the easiest way to get started on that is to simply pay all of your bills on time.

Finally, give some thought to the future. If you purchase a home, you'll need to live in it for a while before you can sell it without losing money. The experts at Trulia suggest three to five years is the minimum length of time you'll need to live in it before selling.

If you think there's a good chance you'll be relocating in a couple of years, the prudent thing to do is keep renting.

For more information on apartments in Beaufort, SC, contact Ashton Pointe.

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consumeraffairs.com


If You May Be Moving in the Next Five Years, Rent

Joseph Coupal - Friday, July 21, 2017

Ashton Pointe, Beaufort, SCIf you think you might move again in the next few years, it's a better plan financially to rent an apartment in Beaufort, SC the first five years are the hardest for building up equity.

If you’re thinking about buying a home, one of the first things you should consider is how long you’re going to stay in the area. If you’re pretty sure that you’re going to be moving out of the area within five years, you’re better off renting.

Why is that? There are several reasons.

First, the first five years of the mortgage are the worst years for building equity. The vast majority of each of your payments during the early years of your mortgage is going to go straight towards interest. On a thirty year mortgage, you build approximately 5% of your home’s value in equity during the first five years of the mortgage.

Second, much of that small amount that you do build in equity will be eaten by realtors when you sell. You can try the “for sale by owner” route to try to recoup some of that value, but there are challenges and expenses involved with going that route as well.

Third, what equity isn’t devoured by the realtors will be devoured by the bank. Closing costs are not your friend. They can add up to a noteworthy portion of your mortgage, particularly when you’re really only concerned about the small amount of equity you’d build during that time.

Finally, the housing market isn’t the giant money rocket that it used to be. Interest rates are rising, and it is a seller's market.You’re not going to make a mint by buying a house, waiting a year, and then flipping it. If you’re reading any personal finance advice that suggests doing so, check when that advice was written.

If you’re thinking about buying a home, one of the first things you should consider is how long you’re going to stay in the area. If you’re pretty sure that you’re going to be moving elsewhere within five years, you’re better off renting.

For more information on apartments in Beaufort, SC, contact Ashton Pointe.

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CSMonitor


What it's Like to Retire in Beaufort, SC

Joseph Coupal - Thursday, July 13, 2017

Ashton Pointe Apartment, Beaufort, SCThe Old South lives on in the quaint seaside charm of Beaufort, SC. Known as the “Queen of the Carolina Sea Islands”, this popular retirement community of 11,000 was discovered by the Spanish in 1514 and chartered by the British in 1711. It lies in the Sea Islands or “Low Country” area of South Carolina, just north of Hilton Head. 304 acres of the town have been designated as a National Historic Landmark. That history is reflected in the horse-drawn carriages that roll along streets in the town’s charming historic district that are overhung with Spanish moss. The area offers a laid back atmosphere that most people find very relaxing. Beaufort is located in Beaufort County. Savannah is 39 miles away.

There are 3 major military installations here that provide a solid economic underpinning and a lowering of the average age in the area. Those include the U.S. Marine Corps Recruitment Depot at Parris Island, the Naval Air Station, and the Beaufort naval hospital.

What is special about Beaufort

  • Charming old town in the Low Country
  • Numberous awards as "Best Small Southern Town", "Small Town Arts", and "Best Fishing Town "
  • Proximity to Hilton Head Island and Savannah
  • Luxurious golf course communities
  • The town has 304 acres designated as a National Historic LandmarkMilder winters
  • Second oldest city in South Carolina

Who will like retirement in Beaufort

Beaufort attracts a community of people who either want to live in a charming old river town or expensive new golfing communities. The presence of so many military personnel creates a younger and more diverse atmosphere than in some comparable communities.

Climate

Beaufort is located on Port Royal Island and the Beaufort River. This area between Charleston and Savannah is often referred to as the Sea Islands or Low Country because it has so much water and so little elevation. This diverse city has a mild climate in the winter - the average January low is 39 and the average July high is 91. August is the rainiest month.

Restaurants & Cultural Scene

Beaufort has many art galleries and has won numerous awards as an arts town. Additionally there is the Arts Council of Beaufort County with its 12,000 square foot community arts center, the Beaufort Orchestra Society, the University of SC-Beaufort's Performing Arts Center, and the Penn Center. Festivals such as the Water Festival and the Shrimp Festival keep things interesting. Nearby Hilton Head Island has cultural opportunities, as does nearby Savannah.

Medical facilities

Beaufort Memorial Hospital. Hilton Head Hospital a 5 star hospital is 17 miles away.

For more information on retiring in an apartment in Beaufort, SC contact Ashton Pointe.

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topretirements.com


4 Reasons to Rent

Joseph Coupal - Thursday, July 06, 2017

Ashton Pointe, Beaufort, SCBuying a home is part of the American Dream, but that doesn't necessarily mean it's the best choice for you.

For decades, the conventional wisdom has been that buying a house makes much better financial sense than renting one. After all, you'll have to spend a large chunk of your income on housing either way, so doesn't it make more sense to invest that money in something you'll eventually own, rather than simply forking cash over to someone else?

However, a number of factors can make renting a much wiser financial decision than buying. Here are four good reasons why it may be smarter for you to rent instead of buy.

1. You're not staying in the home very long

The sooner you intend to move, the less sense it makes to buy.

If you plan to stay put for less than two years, then buying a house would be a poor investment. In such a sort amount of time, the home likely wouldn't gain enough value to make up for the costs of buying and selling it, like realtor commissions, closing fees, moving expenses, and so on. And don't forget that buying or selling a house is a huge hassle compared to switching from one rental to another.

2. You're in an inflated housing market

Some parts of the country are prohibitively expensive to live in. Coming up with a down payment for a $500,000 house is considerably harder than coming up with a down payment for a $150,000 house. But what makes certain highly desirable urban areas really problematic is that home prices in these areas can be driven steeply upward by the high demand. Not only would you have to pay an inflated price for the house, which makes it harder for you to turn around and sell it for a gain in a few years, but you'd also have to pay far more each month as a homeowner than you would as a renter for the same amount of house.

3. Your income isn't secure

If you're not confident in your job security, then now is not the time to make a huge purchase like a new house.

If you suddenly lose a major source of income, then you may need to cut your housing costs in order to get by. That's a relatively quick and painless process if you're renting; you might pay a fee to end your lease early, but you could move to a cheaper home in a matter of days. If you own your home, then a career crisis could force you to sell your house at a bad time; it may take months to find a buyer, or you might end up selling the house for less than you paid for it.

4. You have no savings

If an emergency savings account is important for a renter, it's absolutely crucial for a homeowner. As a renter, if something goes wrong with the house, you can simply call the landlord, who will have to pay to fix the problem. As a homeowner, all the expense lands squarely on your shoulders. Even if nothing expensive breaks down on you, homeowners have ongoing additional costs such as homeowner's insurance and property taxes.

If you don't budget for such expenses or run short one month, you may end up having to tap into savings to pay for them. And if you don't have a well-funded savings account, you may be forced to turn to credit cards -- and that repair bill will be made even more expensive by interest and possibly fees.

Also don't forget that ponying up a down payment will take a big bite out of your savings. You'll need to make sure you still have a solid emergency fund after you've paid out the down payment and the cost of moving. After all, what's the point of buying home if you'll be too busy fretting about expenses to enjoy it?

For more information on apartments in Beaufort, SC, contact Ashton Pointe.

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The Motley Fool


Rent or buy? Baby Boomers Want Less Responsibility

Joseph Coupal - Thursday, June 29, 2017

Ashton Pointe, Beaufort, SCMillennials may be known as the “renter generation,” but they’re apparently not the only group that’s showing increased interest in the rental market.

Instead of putting money down on a smaller house when they’ve outgrown their current living quarters, more Baby Boomers are keeping their options open and examining the benefits of living in a rental.

According to data from ApartmentList.com, the population of Baby Boomer renters increased by 34 percent from 2007 to 2008. The trend was recognized as one of the drivers of a 4.3 million increase in the number of renter households in the U.S. from 2005 to 2015.

But cost is unlikely the main appeal for older home-hunters.

In an analysis of monthly costs by GoBankingRates.com, there is a long list of states in which it’s cheaper to rent a home than purchase one.

Many Boomers are moving in the direction of renting just to “give themselves a break.”

Renting is just an option for them that alleviates the pressure and allows them to breathe for a little bit. The thought of renting, psychologically, is a reprieve for them.

Renters, for example, have fewer worries about maintenance outside their walls. And, depending on the unit’s size, Boomers may be able to get all the luxury they want in a smaller space and with fewer stairs.

When weighing the perceived benefits of renting, people should think of their financial future, rather than the present.

For more information on apartments in Beaufort, SC contact Ashton Pointe.

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nj1015.com


South Carolina Low Country Popular with Boomers

Joseph Coupal - Wednesday, June 21, 2017

Ashton Pointe, Beaufort, SCSouth Carolina has experienced rapid growth in the last 30 years, much of it from retirees seeking a warmer climate and lower cost of living. As more and more baby boomers begin to retire that trend is certain to continue. Retirees have been moving into all parts of the state, the area in the southwest low country, but near Hilton Head has experienced the most explosive growth.

South Carolina's population is growing. Some of that growth is coming from retirees entering the state. Obviously the housing market crash has impacted sales and prices in 55+ and active adult communities in SC, but probably less so than for the housing market in general. For the record, South Carolina has an income tax maximum rate of 7%, people over 65 get some significant exemptions.

Thanks to the great success of Hilton Head Island as a vacation and retirement spot, the entire southwestern area of the state is now a retirement hot bed. Part of the attraction is the many rivers and bays are in the area, making waterfront living possible for many people at somewhat reasonable prices. Here we will take a look at the various areas near Hilton Head.

Bluffton. This is a much nicer town, located on a bluff overlooking the May River. In this old town near the river you can discover art and antique galleries and the Riverfront Pocket Park and Garden. The area is famous for its Bluffton oysters, and in town the oldest continuous oyster-shucking facility in South Carolina is a local attraction. Bluffton also hosts a number of active adult communities, including some huge ones.

Beaufort. Just north of Hilton Head is another classic southern town, Beaufort. Horse-drawn carriages roll along streets in the town’s charming historic district that are overhung with Spanish moss. The area offers a laid back atmosphere that most people find very relaxing. Beaufort has 304 acres of the town designated as a National Historic Landmark. Many active adult communities radiate from town.

Other Towns in the region. The region is dotted with active adult communities to explore. Some of the other small towns in the Southwest Low Country include Laurel Bay, Burton, and Shell Point.

What People Like about this area of SC:

  • Mild winter climate
  • Being near the coast, bays, and rivers
  • Cachet and prestige of Hilton Head
  • Brand new,master-planned developments
  • Outstanding recreation such as golf, tennis, fishing, boating
  • Many of the towns are charming

This part of SC is definitely one of the best retirement regions in the world. For more information on apartments in Beaufort, SC contact Ashton Pointe.

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topretirements.com


Beaufort, SC is a Top Retirement Spot in the US

Joseph Coupal - Thursday, June 15, 2017

Ashton Pointe, Beaufort, SCWhere are the best places to retire in the U.S.? According to John Brady, founder of TopRetirements.com, the absolute best cities and towns for older Americans have good weather, access to health care, low property taxes, and a certain “wow” factor. Throw in access to adult education, cultural activities, job opportunities for older Americans, low housing costs and income-tax rates, low crime rate, and good walkability and livability — and you get a list of both well-known and lesser-known cities and towns that retirees might fancy.

6. Beaufort, S.C.

Beaufort, a city of just 12,000, and is a “big retirement destination,” especially for those who like charm, history and golf (you won’t be far from Hilton Head). According to Brady, 304 acres of this charming town in South Carolina’s Low Country have been designated a National Historic Landmark. Plus, Beaufort has a diverse economy — the University of South Carolina has a branch here. Another advantage: South Carolina is an income-tax-friendly state for retirees. Of course, there are some blemishes: if you fancy living in a big city, this might not be the place for you; it is a small town. (It was once named the “Best Small Southern Town” by Southern Living magazine.) People looking for urban excitement might find this golf- and boating-oriented area boring after a while.

For more information on apartments in Beaufort, SC, contact Ashton Pointe.

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beaufortsc.org


Beaufort, SC is One of the Best College Towns to Live in Forever

Joseph Coupal - Wednesday, May 31, 2017

Ashton Pointe, Beaufort, SCCollege towns are great for more than just the time while you are in school. Many of them have a thriving economy and culture that make them perfect for a long-term commitment to the area. After you are done with your time on campus what factors become more important? Things like community, neighborhoods, schools, these important aspects become pivotal when choosing a place to reside. There are many cities and towns across the country that strive to retain their alumni, Beaufort, SC is on our list.

10. Beaufort, SC

Beaufort is the quintessential southern town and the location of the University of South Carolina Beaufort. The city’s claim to fame is serving as the filming location for the iconic classic Forrest Gump. It is also located just few miles from Hilton Head Island. Beaufort also has an amazing arts and cultural scene. There is a strong military presence in the area with a Marine Corps recruitment depot, a Marine Corps air station, and a naval hospital. The University of South Carolina Beaufort is known for its beautiful and expansive campus. It also ranks among the top colleges in the south with superior programs in foreign language, liberal studies, and education.

For more information on apartments in Beaufort, SC contact Ashton Pointe.

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South Carolina is a Great Place to Retire

Joseph Coupal - Wednesday, May 24, 2017

Ashton Pointe, Beaufort, SCWhere to retire is a deeply personal decision that no one else can make for you. However, if you haven't already settled on a destination, a comprehensive analysis of your options can help narrow your search.

We rated all 50 states based on quantifiable factors that are important to many retirees. Our rankings favored states that are affordable—especially in terms of lower taxes on retirees and lower health care costs. Then we took health into account—both the economic health of each state and the overall health of the population. Finally, we rewarded states with relatively prosperous populations of residents age 65 and up.

We ranked 10 states in the top rankings for retirement destinations. They offer a wide diversity of climates and lifestyles, so you're likely to find one that suits your tastes. Of course, states are big places, so we narrowed the search even more for you. Within each, we identified a city or two that should hold particular appeal to retirees.

#6 South Carolina

Population: 4.7 million
Share of population 65+: 14.7%
Cost of living: 12% below the U.S. average
Average income for 65+ households: $39,985
Average health care costs for a retired couple: Below average at $373,631
South Carolina's tax rating for retirees: Tax Friendly

If the mild weather and southern charm of the Palmetto State isn't enough of a retirement draw for you, surely the affordability can tempt you. On top of well-below-average living costs, the tax situation goes easy on a fixed income, too. South Carolina doesn't tax Social Security benefits and offers generous exemptions on other types of retirement income. It also does not levy an inheritance or estate tax. Property taxes tend to be very low.

For more information on apartments in Charleston, SC, contact Abberly at West Ashley.

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Ashton Pointe Apartment Homes

100 Ashton Pointe Boulevard, Beaufort, SC 29906

Call: 844-820-6515
Email UsAshtonPointe.PropertySite.HHHunt@aptleasing.info
View Map

Opens: Monday-Friday: 9A-6P | Saturday: 10A-5P | Sunday: CLOSED

$963-$1233