108 Reef Rd, Summerville, SC 29486 Property Records

Berkeley County property record for 108 Reef Rd, Summerville, SC 29486

Property Summary

Property Type	Single Family Home
Details	1,781 sqft · built 2021
Lot Size	0.143 acres (6,267 sqft)
Owner	Individual Name on File
Last Sale	$357,211 (Oct 2021)
Tax Bill	$1,551 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`179-08-02-120`

Property Details

APN / Parcel Number

Primary APN	`179-08-02-120`
Alternative APN	`179-00-00-100`

Interior

Building Area	1,781 sqft Finished Area
1st Floor Area	1,781 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,267 sqft
Garage Area	476 sqft
Porch	Slab
Porch Area	338 sqft

Location & Zoning

Street Address	108 REEF RD
City	SUMMERVILLE
State	SC
Zip	29486-2484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BERKELEY C
Legal Description	LOT 584FOUR SEASONS PH 5@ CANE BAY
Legal Subdivision	FOUR SEASONS PHASE 5
Legal Lot Number	584
Jurisdiction	BERKELEY SC
Township / Civil Division	GOOSE CREEK-HANAHAN
Census Block Group	2
Census Block	2062
Census Tract	20711

Owner

108 Reef Rd is owned and occupied by an individual who bought it in October 2021.

Source: Berkeley County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	108 REEF RD, SUMMERVILLE, SC 29486-2484
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2021 · Amount on File
Deed Sale	Oct 21, 2021 · Amount on File
Deed Document Number	202149817
Deed Book / Page	4017 / 144
Record Updated	Sep 20, 2026

October 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BERKELEY SC
Recording Date	Oct 21, 2021
Property Address	108 REEF RD, SUMMERVILLE, SC 29486-2484
Document Number	04017/0144
Book / Page	4017 / 144
Map Reference	DOC 2021013561
Instrument Date	Oct 11, 2021
Instrument	2021049817
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 1, 2023
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,322.75
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 REEF RD, SUMMERVILLE, SC 29486-2484

Mortgage

Document Number	2021049818
Date	Oct 21, 2021
Instrument	2021049818

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 108 Reef Rd was $1,551 with a homeowner's exemption, up 4.1% from the year before.

Source: Berkeley County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Berkeley County
Unified School District	Berkeley County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$415,200 (+2,4%) Land $160,000 Building $255,200	$415,200 (-) Land $160,000 Building $255,200
2025	$1,551.00 (+4.09%)	$16,608 (-) Land $6,400 Building $10,208	$415,200 (-) Land $160,000 Building $255,200
2024	$1,490.00 Homeowner's exemption	$16,608 Land $6,400 Building $10,208	$415,200 Land $160,000 Building $255,200
2022	$1,684.00 Homeowner's exemption	$14,608 Land $4,400 Building $10,208	$365,200 Land $110,000 Building $255,200

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 108 Reef Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 277 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	277 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Tropical Storm Debby

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 108 Reef Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · above 83% of South Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Home Telecom Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20