Moss Creek, Bluffton

Bluffton, SC · Gated Community on Mackay Creek & the Intracoastal Waterway

Moss Creek

At the foot of the Hilton Head Island bridge, where Mackay Creek meets the Intracoastal Waterway, Moss Creek is a gated Lowcountry community defined by a deep-water marina, two private Tom Fazio–designed golf courses, and the unhurried character of tidal marsh and maritime forest.

At a glance

Moss Creek at a glance

At the foot of the Hilton Head Island bridge, where Mackay Creek meets the Intracoastal Waterway, Moss Creek is a gated Lowcountry community defined by a deep-water marina, two private Tom Fazio–designed golf courses, and the unhurried character of tidal marsh and maritime forest.

Location
Moss Creek, Bluffton, South Carolina
Median sale price
$716,000 median (all homes, May 2026)
Short-term rentals
Not permitted
Character
Two Tom Fazio courses, a deep-water marina, and tidal marshes along the Intracoastal Waterway

The Community

Living in Moss Creek

Moss Creek occupies a distinctive address in the Lowcountry — at the gateway to Hilton Head Island, yet set apart in the quieter pace of Bluffton, South Carolina. The community borders Mackay Creek and the Intracoastal Waterway, with tidal marshes and maritime forest framing the landscape throughout. Few communities in this coastal corridor offer a deep-water marina and two championship golf courses within a single gated address.

The golf at Moss Creek is among the most considered in the region. Devil's Elbow North and Devil's Elbow South — both designed by Tom Fazio — route through native Lowcountry terrain, incorporating marsh, creek, and forest in a way that distinguishes them from resort-style layouts. These are member courses, available to residents and their guests, and not open to the general public.

The broader setting reinforces what makes Moss Creek singular. Tidal creeks and Lowcountry wildlife are woven into daily life, and proximity to Hilton Head Island — minutes across the bridge — keeps beaches, dining, and coastal amenities within easy reach, without the density and seasonal congestion that come with an on-Island address.

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The Lifestyle

The deep-water marina is the community's other defining asset. Mackay Creek connects directly to the Intracoastal Waterway, opening routes to the surrounding coastal waterways of the South Carolina Lowcountry. For those who keep a boat, Moss Creek provides the kind of direct-access boating that most communities in the area cannot offer.

Beyond the water and the fairways, the pace here is shaped by the natural environment — tidal marshes, resident Lowcountry wildlife, and maritime forest that frames every view. Hilton Head Island's beaches, restaurants, and shopping are a short drive from the gate, giving residents the full range of coastal amenities without being required to live at the center of them.

The Real Estate

Homes in Moss Creek are set within a landscape shaped by tidal water and fairway — the community's position along Mackay Creek and the Intracoastal Waterway, combined with two on-site golf courses, defines the character of the real estate here. The inventory is contained within a fixed footprint of marsh, forest, and water, which naturally limits future supply. Properties draw buyers oriented toward a primary Lowcountry residence, a dedicated second home with genuine on-site amenity depth, or long-term tenancy in a gated coastal address with boating and golf access already in place.

Rental Income

Short-term rentals in Moss Creek

Short-term rentals are prohibited in Moss Creek. The community does not permit nightly or short-stay vacation rentals, making it unsuitable as an STR investment. Buyers whose strategy depends on short-term rental income should consider other communities where STR is permitted. Long-term leasing terms should be confirmed directly with the HOA prior to closing.

Buyer Questions

Moss Creek — answered

Is Moss Creek a good gated community for a second home near Hilton Head Island?
Yes — Moss Creek is one of the few gated communities in the area combining a deep-water marina and two private Tom Fazio–designed golf courses with a location minutes from Hilton Head Island. It suits second-home buyers who want a quiet Lowcountry setting with resort-caliber on-site amenities and convenient access to the Island's beaches and dining, without living on the Island itself.
Does Moss Creek have deep-water boat access and a marina?
Yes. Moss Creek has a deep-water marina on Mackay Creek, which connects to the Intracoastal Waterway. From there, residents have access to the broader coastal waterway network of the South Carolina Lowcountry. Deep-water marina access of this kind is uncommon in gated residential communities in this region.
What golf courses are in Moss Creek, and are they open to the public?
Moss Creek has two golf courses — Devil's Elbow North and Devil's Elbow South — both designed by Tom Fazio. They are available to residents and their guests and are not open to the public. The courses are routed through the community's native Lowcountry terrain of marsh, creek, and maritime forest.
Is Moss Creek better suited as a full-time primary residence or a second home?
Moss Creek supports both use cases. Its gated setting, on-site golf, marina, and natural environment make it well-suited as a primary residence for those relocating to the Bluffton–Hilton Head Island area. The same attributes draw second-home buyers who want a dedicated coastal retreat with genuine amenity depth. The community's prohibition on short-term rentals reinforces its long-term residential character.
Can you short-term rent a home in Moss Creek?
No. Short-term rentals are prohibited in Moss Creek. Nightly and short-stay vacation rentals are not permitted under community rules. Buyers whose investment strategy requires STR income should consider communities where short-term rental is allowed. Long-term lease terms should be confirmed with the HOA directly before closing.
How far is Moss Creek from Hilton Head Island's beaches and dining?
Moss Creek is located in Bluffton at the foot of the Hilton Head Island bridge, placing it within minutes of the Island by car. Hilton Head's beaches, waterfront restaurants, and retail are a short drive from the community's gate. The location provides Island access without the higher density and peak-season congestion of an on-Island address.
What should I know about the HOA at Moss Creek?
Moss Creek has a homeowners association that oversees the community's gates, common areas, marina, and golf infrastructure. Specific dues, assessment structures, and membership tiers vary and can change — confirm current figures directly with the HOA or through a COAST brokered by eXp Realty agent before making an offer.
Where exactly is Moss Creek, and how do you get there?
Moss Creek is in Bluffton, South Carolina, situated along Mackay Creek and the Intracoastal Waterway at the foot of the bridge leading to Hilton Head Island. It is accessible via the main corridor connecting Bluffton to Hilton Head Island, placing it conveniently between Bluffton's town center and the Island itself.
Is Moss Creek in Bluffton a good gated community for a second home near Hilton Head Island?
Moss Creek is a private, gated community in Bluffton sited at the foot of the Hilton Head Island bridge, along Mackay Creek and the Intracoastal Waterway, so it sits just minutes from Hilton Head's beaches, dining, and shopping. The gated setting pairs with a deep-water marina, two Tom Fazio-designed golf courses, and surrounding tidal marsh and maritime forest, giving it the privacy and amenity base many buyers look for in a second home. For anyone wanting a quiet, nature-immersed base close to the island, it fits that profile well.
Is Moss Creek better as a full-time primary residence or a vacation home?
The community itself supports either use: its gated privacy, deep-water marina and boating access, two private golf courses, and marsh and maritime-forest surroundings work whether a home is occupied year-round or part-time. Proximity to Hilton Head Island's beaches, dining, and shopping adds convenience for both everyday living and periodic stays. The knowledge bank doesn't specify a predominant occupancy pattern within Moss Creek, so the better fit comes down to individual lifestyle rather than something the community itself dictates.
What do homes cost in Moss Creek and what are the HOA and amenity fees?
I don't have current home prices or HOA and amenity fee figures for Moss Creek on hand, so I won't guess at numbers. Given the community's deep-water marina, two private golf courses, and gated setting, fees typically reflect that amenity base, but exact pricing and dues vary by property and change over time. For accurate, up-to-date figures, it's best to connect with an agent who can pull current listings and the association's fee schedule.

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The Market · May 2026

What are homes selling for in Moss Creek?

Here is what homes in Moss Creek are actually selling for, from the latest published Hilton Head Area Association of REALTORS® market report.

$716,000median sale price · all homes70 days on market · 98.1% of list price · 13 sold

Source: Hilton Head Area Association of REALTORS® — published May 2026 market report.

The Team’s Record Here

COAST’s record in Moss Creek

5closed transactions in Moss Creek2023–present
April 2026most recent closingbrokerage records

Verified from COAST brokered by eXp Realty closed-transaction records, 2023–present — counted per side represented, matching eXp production reporting. Talk to the team about Moss Creek below.

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