Berkeley County property record for 109 Harbor Point Ct, Summerville, SC 29486
| Property Type | Single Family Home |
|---|---|
| Details | 1,356 sqft · built 2014 |
| Lot Size | 0.119 acres (5,185 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (Aug 2026) |
| Tax Bill | $1,272 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 195-04-01-133 |
| Primary APN | 195-04-01-133 |
|---|---|
| Alternative APN |
|
| Building Area | 1,356 sqft Finished Area |
|---|---|
| Gross Area | 1,880 sqft |
| 1st Floor Area | 1,356 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Lot Area | 5,185 sqft (0.119 acres) |
| Garage Area | 440 sqft |
| Porch | Slab |
| Porch Area | 84 sqft |
| Street Address | 109 HARBOR POINT CT |
|---|---|
| City | SUMMERVILLE |
| State | SC |
| Zip | 29486-6966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BERKELEY C |
| Legal Description | TRACT B2-1APHASE 3-BLOT 793 DEL WEBB |
| Legal Subdivision | CANE BAY (DEL WEBB) |
| Legal Phase | 3 |
| Legal Lot Number | 793 |
| Jurisdiction | BERKELEY SC |
| Township / Civil Division | GOOSE CREEK-HANAHAN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20711 |
109 Harbor Point Ct is owned and occupied by an individual who bought it in August 2026.
Source: Berkeley County records, as of August 26, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 HARBOR POINT CT, SUMMERVILLE, SC 29486-6966 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2026 | Deed, Transfer SIMPLE TITLE, SIMPLIFILE |
| Sep 29, 2020 | Deed, Transfer · Conventional Mortgage BAXTER CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2026 · Amount on File |
| Deed Sale | Aug 11, 2026 · Amount on File |
| Prior Sale | Sep 29, 2020 · Amount on File |
| Deed Document Number | 202628896 |
| Deed Book / Page | 5674 / 301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY SC |
| Recording Date | Aug 11, 2026 |
| Property Address | 109 HARBOR POINT CT, SUMMERVILLE, SC 29486-6966 |
| Document Number | 0000028896 |
| Book / Page | 5674 / 301 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 202628896 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount on Record |
|---|---|
| Tax | $128,926.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 HARBOR POINT CT, SUMMERVILLE, SC 29486-6966 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY SC |
| Recording Date | Sep 29, 2020 |
| Property Address | 109 HARBOR POINT CT, SUMMERVILLE, SC 29486-6966 |
| Document Number | 03517/0860 |
| Book / Page | 3517 / 860 |
| Map Reference | CAB P PG 53P |
| Instrument Date | Sep 22, 2020 |
| Instrument | 2020037626 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Title Company | WEEKS AND IRVINE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $958.30 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 HARBOR POINT CT, SUMMERVILLE, SC 29486-6966 |
| Document Number | 2020037627 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 2020037627 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 8.12% |
The 2025 property tax bill for 109 Harbor Point Ct was $1,272 with a homeowner's exemption, up 4.3% from the year before.
Source: Berkeley County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Berkeley County |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $297,045 (+2,399.96%) Land $81,718 Building $215,327 | $363,500 (-) Land $100,000 Building $263,500 | |
| 2025 | $1,272.00 (+4.35%) | $11,882 (-) Land $3,269 Building $8,613 | $363,500 (-) Land $100,000 Building $263,500 |
| 2024 | $1,219.00 Homeowner's exemption | $11,882 Land $3,269 Building $8,613 | $363,500 Land $100,000 Building $263,500 |
| 2022 | $1,225.00 Homeowner's exemption | $10,332 Land $3,600 Building $6,732 | $258,300 Land $90,000 Building $168,300 |
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.
FEMA maps place 109 Harbor Point Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.
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 230 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 230 in force |
| Nearby Flood Claims | 3 (2015–2019) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Dec 2019 · other causes |
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 risk around 109 Harbor Point Ct is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 64% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BCWSA SANGAREE W/D (0820002) serves 95,345 people · EPA ID SC0820002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 307 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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