Windy Lake Homes for Sale in Bluffton SC

About Windy Lake

Windy Lake is a non-gated neighborhood of single-family homes on Sugaree Drive and Windy Lake Court, just off Simmonsville Road in Bluffton, SC 29910. Homes were built primarily in the mid-1980s to early 1990s, and many sit on lots of roughly half an acre or more, some backing to the neighborhood lagoon and others to wooded buffers. The neighborhood was originally developed under the name Sugaree, which is why the original covenants, plats and county records are filed under that name and you will see both "Windy Lake" and "Sugaree" in property listings.

Windy Lake is not located within the Town of Bluffton. It carries a Bluffton mailing address but sits in unincorporated Beaufort County. There is a property owners association with modest dues, no clubhouse or pool, and no golf course.

Where Is Windy Lake Located?

Windy Lake is on the east side of Simmonsville Road between US Highway 278 and Old Town Bluffton, in the central Bluffton area. Both streets end in cul-de-sacs, so the only traffic is residents and their guests. Grocery stores, the Bluffton Parkway, the public schools on H.E. McCracken Circle and the shops and restaurants of Old Town Bluffton are all a short drive away.

Approximate drive times from Windy Lake. Traffic and time of day can materially affect travel times.

Homes and Home Styles in Windy Lake

Windy Lake is made up entirely of single-family homes. They were built primarily from the mid-1980s to the early 1990s, typically range from about 1,400 to 2,400 heated square feet, and most have three bedrooms, with some larger homes offering four or five. Floor plans vary home to home rather than following one builder's catalog, and many homes have been updated over the years with new flooring, kitchens, HVAC systems, windows and outbuildings.

Lot size is the standout. Lots are noticeably larger than in most newer Bluffton neighborhoods, which gives you room for gardens, a fenced yard, a workshop or storage building, subject to the governing documents and any required approvals. Because these homes are now several decades old, plan your inspection around roof age, HVAC, water heater, windows, decks and major systems, and ask what has been replaced and when.

Amenities

Windy Lake does not have a clubhouse, pool or other shared recreation facilities. Its lagoon, mature trees and larger homesites help give the neighborhood its established character. If a community pool or playground is a priority, see the comparable communities below.

Schools

Windy Lake is served by the Beaufort County School District and offers convenient access to nearby public schools, including the Bluffton school campus on H.E. McCracken Circle. Attendance zones can change, so buyers should confirm the elementary, middle and high school assigned to a specific property directly with the district.

What Does It Cost to Own in Windy Lake?

Three ownership costs to plan for:

• POA dues: Windy Lake has a property owners association with modest dues. For current POA dues and transfer fees, see my Bluffton HOA Fees and Transfer Fees guide.
• Property taxes: Because Windy Lake is outside the Town of Bluffton, owners pay Beaufort County property taxes but not Town of Bluffton municipal taxes. Qualified owner-occupants may apply for South Carolina's 4% legal residence assessment ratio.
• Insurance: Get homeowners insurance quotes early. Roof age and the age of major systems can affect premiums on homes of this era.

For a full breakdown, see what it really costs to own a home in Bluffton.

Windy Lake Flood Zone

Based on the FEMA flood map dated October 13, 2026, Windy Lake is in Flood Zone X, outside FEMA's Special Flood Hazard Area. Lenders generally do not require flood insurance in Zone X, but it is often available at a lower cost and is worth pricing. Flood maps are revised periodically, so always confirm the zone for a specific property. Learn more in my flood insurance guide.

What I Like About Windy Lake

I've lived in the SC Lowcountry since December 1996 and have been licensed in real estate since 2009. Windy Lake is one of the few places in the central Bluffton area where you can still get a half-acre lot on a quiet cul-de-sac, minutes from Old Town, without town taxes or a large amenity budget built into your dues.

The homes are older and they vary a lot in condition, so the right purchase here comes down to the individual house. That is where local experience matters: knowing what has been updated, what still needs to be, and what the lot itself allows.

Carl Kratz, Broker & Realtor, Century 21 Integra Realty

What Buyers Should Know Before Choosing Windy Lake

• Older homes, varied condition. Some homes are fully updated and some are close to original. Budget for inspections and possible updates.
• No shared amenities. There is no pool, clubhouse or playground.
• Two names in the records. Title work, plats and covenants reference Sugaree, so make sure your attorney and lender are using the correct legal description.
• Limited inventory. This is a small neighborhood on two streets, so listings do not come up often.

Is Windy Lake a Good Fit for You?

Windy Lake tends to fit buyers who want:

• A larger lot than most newer Bluffton neighborhoods offer
• A central Bluffton location close to Old Town and US 278
• Modest POA dues and no Town of Bluffton property taxes
• An established home they can update over time

If you want new construction, a community pool or a gated entrance, look at the comparable communities below or ask me for options that match.

Similar Bluffton Communities to Consider

Recent Sales in Windy Lake

See what homes in Windy Lake have sold for over the last 12 months.

Windy Lake FAQ