Welcome to Moss Creek
Leap into luxury living at the Lowcountry’s best-kept secret
Moss Creek living is defined by a blend of luxury and leisure in a private, gated community that offers connection and engagement. Surrounded by natural beauty and populated by friendly residents, you can enjoy an active and fulfilling lifestyle in Moss Creek, SC.
Located at the foot of the bridges leading into the desirable community of
Hilton Head Island, Moss Creek offers access to pristine beaches. The neighborhood is also bordered by the charming town of Bluffton, and its proximity to I-95 makes it easy to reach urban amenities in Savannah, GA, to the south and Charleston, SC, to the north.
Moss Creek covers
1,000 acres, including natural preserves, and residents enjoy a view of beautiful pecan trees at the entrance to the community. Buyers seeking houses for sale in Moss Creek will find a community of over 1,000 homes, including large single-family homes, patio homes, villas, and waterfront properties in a range of price points. Spacious lots feature mature trees and lush landscaping, as well as a variety of modern home styles.
What to Love
- Gated Community: The Moss Creek neighborhood is a private, gated community featuring 24-hour security.
- Two Championship Golf Courses: Enjoy an exceptional Lowcountry private golfing experience, with an on-site pro shop stocked with apparel, clubs, and more.
- Access to Activities:On-site facilities include a central clubhouse, sports courts, swimming pools, a fitness center, an equestrian center, a deepwater marina, dining options, and event spaces.
- Plans for Every Lifestyle: Community members living in Moss Creek homes have access to facilities and may choose from à la carte payment, monthly plans, or a yearly activity fee. The annual household plan includes unlimited access to golf, tennis, and pickleball facilities, as well as boat slips and kayak storage at reduced rates.
- Nature on Tap: Residents can take in gorgeous Lowcountry landscapes, including two nature preserves, marshlands, waterways, and mature trees draped in enchanting Spanish moss.
- Convenient Coastal Location: For buyers who want easy access to both Bluffton and Hilton Head Island, Moss Creek: mainland convenience, island living captures the best of both worlds.
Local Lifestyle
The active community of Moss Creek is punctuated by facilities open to all members. The 14,000-square-foot clubhouse in the heart of the community includes a spacious dining/event room and outdoor seating on the veranda, perfect for daily dining, lounging, or private events.
Is Moss Creek right for you? The answer often comes down to lifestyle priorities, from golf and boating to fitness, equestrian activities, and time spent outdoors. Golfers will enjoy 36 holes at two private Fazio-designed courses: Devil’s Elbow South, by George Fazio, and Devil’s Elbow North, by his nephew Tom Fazio. Residents who want to perfect their serve can spend time at the Moss Creek Racquet Center, which features seven illuminated Har-Tru tennis courts and four pickleball courts.
For family fun, head to Bostwick Pavilion and Park, which includes a children’s playground, a basketball court, an enclosed dog park, fire pits, and picnic and lounge areas overlooking Mackay Creek. You’ll also enjoy the fitness and pool complex, including a lap pool, beach-entry pool, and kiddie pool. The fitness center offers regular classes, personal training, and wellness programs.
Don’t forget water activities in this
Hilton Head neighborhood, featuring a private mainland marina where you’ll find boat slips, storage, and fishing and crabbing docks.
Equestrians will find their heart’s delight at Moss Creek Stables, complete with stalls, irrigated arenas, hunter-jumper courses, a grass pasture, and miles of trails. The equestrian center offers group and private lessons, and it hosts camps and equine therapy programs for individuals with special needs. Full-service boarding is available.
Finally, nature lovers can relax amid two on-site preserves. The Fording Island Nature Preserve includes raised boardwalk bridges overlooking the marsh, tidal creek, and oyster beds, while the 36-acre Blue Heron Sanctuary includes walking trails connecting several small islands that are home to wading birds, ducks, and other wildlife.
There’s no shortage of amenities for buyers seeking Moss Creek homes for sale.
Dining and Shopping
If you’re considering Moss Creek, SC, real estate, you’ll be happy to discover on-site dining at the Clubhouse Grill, a great place to grab a bite after a round of golf. Residents also enjoy access to casual dining with a luxury twist at the Mackay Creek Grill, located near the pool area. The menu includes seafood, wine, beer, and mixed drinks.
Outside the community, explore the Moss Creek Bluffton connection with a trip to FARM, a
farm-to-table restaurant offering seasonal, local menus with Southern appeal. Or you could head to Savannah to sample iconic establishments like The Olde Pink House or The Pirates’ House, which is purported to be haunted.
For easy retail therapy, hit up the nearby Tanger Outlets Hilton Head, spread across two adjacent properties. These malls feature popular shops like Coach, Le Creuset, Nike, and Pandora, as well as a range of dining options.
Things to Do and Entertainment
If you tire of on-site amenities, venture outside the community to stroll the shops of Old Town Bluffton or hit up the beaches at Hilton Head Island. Music lovers can catch shows at the Enmarket Arena or Savannah Civic Center, while sports aficionados can attend minor league baseball or pro soccer matches in Charleston.
With breathtaking Lowcountry surroundings, ample on-site amenities, and easy access to nearby beaches and urban centers, Moss Creek real estate has a lot to offer house hunters interested in luxury living.
Moss Creek Golf: Devil's Elbow North and South
Moss Creek has two private 18-hole courses, Devil's Elbow South and Devil's Elbow North, on the mainland side of the bridges. Golf access comes with ownership: every buyer purchases a Moss Creek membership certificate, and from there you either pay a daily greens fee or add an optional annual activity fee for unlimited golf. The fees section below has the 2026 figures.
Devil's Elbow South. George Fazio's 1974 course, built with his nephew Tom Fazio. Clyde Johnston rebuilt its greens in 2012 and returned them to their original 1974 shapes.
Devil's Elbow North. Tom Fazio's course reopened in October 2025 after an eight-month rebuild by John Fought, with new greens and tees, new irrigation and drainage, wider fairways and fewer bunkers. It now plays 6,722 yards from the back tees.
Visit Moss Creek golf. For more on daily life here, read Moss Creek: mainland convenience with island-style living.
Moss Creek Fees at a Glance
Moss Creek HOA fees are $8,775 a year for an improved property as of 2026, which works out to $731.25 a month. But the number that actually matters in Moss Creek is the one most people miss. The Activity Fee, which covers golf and the recreational amenities, is optional. You can take an annual household plan or pay as you go, and that single feature makes Moss Creek work very differently from most club communities in Bluffton. Depending on how you use the place, it can swing your annual cost by well over a thousand dollars.
Fee | Amount | How often | What it applies to |
|---|
Annual Assessment - improved property | $8,775 | Per year | Any lot with a home on it |
Annual Assessment, quarterly equivalent | $2,193.75 | Per quarter | Improved property |
Annual Assessment, monthly equivalent | $731.25 | Per month | Improved property |
Annual Assessment - unimproved property (2025 schedule) | $6,726 | Per year | Vacant homesites |
Annual Activity Fee - OPTIONAL (2025 schedule) | $1,600 | Per year, per household | Optional for all members |
Membership certificate | $45,000 | Once, at purchase | All buyers |
Annual Family Golf Cart Plan (2025 schedule) | $3,792 | Per year | Activity Fee members only |
Annual Single Golf Cart Plan (2025 schedule) | $2,532 | Per year | Activity Fee members only |
All figures as of 2026.
What the Moss Creek HOA Fee Covers
Moss Creek publishes its fee schedule openly, and the association is specific about the fact that the Annual Assessment maintains and funds the amenities 'in part' - which is precisely why the optional Activity Fee exists. Every property owner pays the Annual Assessment, and it supports:
Two Fazio championship golf courses. Devil's Elbow South and Devil's Elbow North are maintained through the assessment, though playing them requires either the Activity Fee or daily fees.
The Moss Creek Racquet Center. Seven tennis courts and four pickleball courts.
The waterfront and boating facilities. Boat storage including boat slips, two dry storage areas and kayak storage.
Two nature preserves. The Fording Island Nature Preserve and the 36-acre Blue Heron Sanctuary.
The 14,000-square-foot Clubhouse, Bostwick Pavilion and Bostwick Point Park. Including the casual waterfront pavilion and the park.
The Fitness and Pool Complex.
The private mainland marina. Boat slips, with slip fees charged separately - see below.
A dog park and miles of leisure trails.
Operating and capital expenses. The assessment also funds the community's general operating and capital costs.
What Costs Extra in Moss Creek
The Annual Activity Fee - $1,600 a year, and entirely optional. This is the decision point in Moss Creek. Charged per household, it covers the member, spouse or partner, and dependent children at home under 25. It buys unlimited golf green fees, range use, tennis and pickleball, access to wet and dry slips and kayak storage, and reduced guest rates. Skip it and you pay daily fees instead. The fee is non-refundable, expires when you sell, and does not transfer to a buyer. The $1,600 figure is from the 2025 schedule.
Golf cart plans. If you take the Activity Fee, an annual family cart plan is $3,792 and a single cart plan is $2,532, both including applicable South Carolina taxes. You cannot buy a cart plan without the Activity Fee. These are 2025 figures.
Storage and lockers. Annual golf bag storage is $144 for Activity Fee members and $200 for non-members. A golf locker with shoe cleaning is $92 for members and $150 for non-members. A non-member annual range plan is $575 per household. All 2025 figures.
Boat slips and dry storage. Slip and storage fees apply on top of the Activity Fee, and the amount depends on the size of the slip. Worth knowing: since 1 January 2025 each household is permitted one space, either a wet slip or a dry slip, not both.
One-Time Fees When You Buy in Moss Creek
There is one significant cost at purchase, and it is substantial enough that it belongs in your offer calculations rather than your closing-day surprises.
The membership certificate - $45,000. Every buyer in Moss Creek acquires a membership certificate, and as of 2026 that is $45,000. This is separate from and additional to the annual assessment.
Can Moss Creek Fees Change?
The Annual Assessment is set by the association each year. Moss Creek publishes its fee schedule openly, which is more than most communities in the area do, so the current year's booklet is worth reading in full before you commit. Note that several figures above come from the 2025 edition, while the assessment itself stands at $8,775 for 2026.
What to Verify Before You Buy in Moss Creek
Before you write an offer, here is what I would want confirmed in writing:
The current year's fee schedule in full - the association publishes it and it is worth reading
The current Activity Fee, and whether taking it or paying daily fees makes more sense for how you actually intend to use the community
The current membership certificate amount and exactly when it is payable
Slip and dry storage availability and cost, if boating is part of why you are looking here
Stable and equestrian fees at Moss Creek Stables, which sit outside the published fee schedule
Whether any special assessment has been levied recently or is under discussion
The current assessment on the specific property, and whether it is on the books as improved or unimproved
Frequently Asked Questions
What are the current HOA fees in Moss Creek?
Moss Creek HOA fees are $8,775 a year for an improved property as of 2026, which is $731.25 a month or $2,193.75 a quarter. The association's 2025 schedule listed $6,726 a year for an unimproved lot.
What do Moss Creek HOA fees include?
The Annual Assessment maintains two golf courses, seven tennis courts, four pickleball courts, boat and kayak storage, two nature preserves, the Clubhouse, Bostwick Pavilion and Bostwick Point Park, a dog park, the Fitness and Pool Complex, and miles of leisure trails, along with the community's operating and capital expenses. The association is careful to say it funds these 'in part' - actually using several of them requires the Activity Fee or daily fees.
Is the Moss Creek Activity Fee required?
No, and this is the most useful thing to know about Moss Creek. The Activity Fee was $1,600 a year on the 2025 schedule and it is entirely optional. It buys unlimited golf, range, tennis and pickleball plus slip and kayak access. If you skip it, you pay daily fees as you use the facilities.
Does the Moss Creek fee include golf?
The assessment maintains the two golf courses, but playing them is not included. You either take the Activity Fee, which was $1,600 a year on the 2025 schedule and includes unlimited green fees, or you pay daily fees. Cart fees are separate either way.
Are there one-time fees when buying in Moss Creek?
Yes. Every buyer acquires a membership certificate, which is $45,000 as of 2026. That is in addition to the annual assessment and it is a significant enough number that it belongs in your offer calculations from the start.
Can Moss Creek HOA fees increase?
Yes. The association sets the Annual Assessment each year through its budget process. The $8,775 figure above is the 2026 amount.
Moss Creek rewards a bit of arithmetic, because whether you take the Activity Fee or not can swing your annual cost meaningfully. Tell me how you would actually use the place - golf, boat, neither - and I will work out what it would genuinely cost you to own here.
