1004 W Mariners Cay Dr, Charleston, SC 29412 Property Records

Charleston County property record for 1004 W Mariners Cay Dr, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,828 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$696,000 (Jul 2020)
Tax Bill	$12,847 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Aug 2019 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`328-00-00-551`

Property Details

APN / Parcel Number

Primary APN	`328-00-00-551`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,828 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	2,178 sqft (0.05 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	1004 W MARINERS CAY DR
City	CHARLESTON
State	SC
Zip	29412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPPLATB L16 MAPPLATP 0480 SUBDIVISIONNAME CAPTAIN QUARTERS LOT 1
Legal Subdivision	CAPTAIN QUARTERS
Legal Lot Number	1
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	3
Census Block	3025
Census Tract	2009

Owner

1004 W Mariners Cay Dr is owned and occupied by two individuals who bought it in July 2020.

Source: Charleston County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1004 W MARINERS CAY DR, CHARLESTON, SC 29412
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage HOMEBRIDGE FIN'L SVCS INC
Aug 27, 2019	Loan Modification, Mortgage TJM BLUFFTON LLC
Aug 27, 2018	Grant Deed, Construction Loan · Line of Credit TJM BLUFFTON LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	Aug 27, 2018 · Amount on File
Deed Book / Page	899 / 879
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 27, 2020
Property Address	1004 W MARINERS CAY DR, FOLLY BEACH, SC 29439
Document Number	0899/0879
Book / Page	000899 / 000879
Instrument Date	Jun 24, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$696.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1795 FOLLY BEACH SC 294391795, FOLLY BEACH, SC 29439-1795

Mortgage

Document Number	899/0880
Date	Jul 27, 2020
Book Page	000899/000880

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLESTON SC
Property Address	1004 W MARINERS CAY DR, FOLLY BEACH, SC 29439
Document Number	0826/0045
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0826/0045
Date	Oct 2, 2019
Book Page	000826/000045

Lender

Name	TJM BLUFFTON LLC

Agreement

Amount	Amount on Record

August 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 27, 2018
Property Address	1004 W MARINERS CAY DR, FOLLY BEACH, SC 29439
Document Number	0743/0159
Book / Page	000743 / 000159
Instrument Date	Jun 29, 2018
Transaction Type	Construction Loan
Record Updated	Sep 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$700.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	520 FOLLY RD #26PMB126 CHARLESTON SC 294123019, 26PMB1, CHARLESTON, SC 29412-3019

Mortgage

Document Number	743/0161
Date	Aug 27, 2018
Book Page	000743/000161

Lender

Name	TJM BLUFFTON LLC
Address	330 PATTERSON DR, MYRTLE BEACH, SC 29572-4736

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 26, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1004 W Mariners Cay Dr was $12,847, up 9.6% from the year before.

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Folly Beach City
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,847.00 (+9.55%)	$904,000 (+1,807.17%) Land $200,000 Building $704,000	$904,000 Land $200,000 Building $704,000
2024	$11,727.00	$47,400
2022	$11,027.00	$47,400	$790,000 Land $200,000 Building $590,000
2020			$790,000 Land $200,000 Building $590,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1004 W Mariners Cay Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 121 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	385 units insured incl. 264 condo units
Nearby Flood Claims	21 (2015–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Irma, Sep 2017 · 12 claims Hurricane Matthew, Oct 2016 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1004 W Mariners Cay Dr is moderate, ranking above 58% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · above 76% of South Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FOLLY BEACH CITY OF (1010005) serves 5,086 people · EPA ID SC1010005
Water Source	Purchased surface water from CHARLESTON WATER SYSTEM
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on W Mariners Cay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures