1128 Universal Cir, Saint Stephen, SC 29479 Property Records

Berkeley County property record for 1128 Universal Cir, Saint Stephen, SC 29479

Property Summary

Property Type	Single Family Home
Details	3,967 sqft · built 2018
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Tax Bill	$1,734 (2025)
Deeds & Mortgages	May 2019 Loan Modification Mar 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`060-00-02-223`

Property Details

APN / Parcel Number

Primary APN	`060-00-02-223`
Alternative APN	`060-00-02-204`

Interior

Building Area	3,967 sqft Finished Area
1st Floor Area	2,263 sqft
2nd Floor Area	1,704 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	108,900 sqft (2.5 acres)
Garage Area	672 sqft
Porch	Patio
Porch Area	877 sqft

Location & Zoning

Street Address	1128 UNIVERSAL CIR
City	SAINT STEPHEN
State	SC
Zip	29479-3648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BERKELEY C
Legal Subdivision	ALVIN (SOUTHERN AREA)
Jurisdiction	BERKELEY SC
Township / Civil Division	BONNEAU
Census Block Group	1
Census Block	1004
Census Tract	20301

Owner

1128 Universal Cir is owned and occupied by an individual who acquired it in November 2007.

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

Owner of Record	Individual Name on File
Mailing Address	1128 UNIVERSAL CIR, SAINT STEPHEN, SC 29479-3648
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
May 1, 2019	Loan Modification, Mortgage SOUTH CAROLINA FCU
Mar 31, 2017	Trustee's Deed, Construction Loan · Construction Mortgage SOUTH CAROLINA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 10, 2007
Transfer Doc	07073/0195
Record Updated	Sep 20, 2026

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BERKELEY SC
Property Address	1128 UNIVERSAL CIR, SAINT STEPHEN, SC 29479-3648
Document Number	3054/0265
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 UNIVERSAL CIR ST STEPHEN SC 294793648, ST STEPHEN, SC 29479-3648

Mortgage

Document Number	3054/0265
Date	Jun 21, 2019
Book Page	003054/000265
Instrument	21086

Lender

Name	SOUTH CAROLINA FCU

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2049

Interest

Rate Type	Fixed Rate
Rate	3%

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BERKELEY SC
Recording Date	Mar 31, 2017
Property Address	1128 UNIVERSAL CIR, SAINT STEPHEN, SC 29479-3648
Book / Page	002426 / 000623
Instrument Date	Mar 30, 2017
Instrument	10638
Transaction Type	Construction Loan
Record Updated	Apr 7, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 UNIVERSAL CIR ST STEPHEN SC 29479, ST STEPHEN, SC 29479

Mortgage

Document Number	2426/0623
Date	Mar 31, 2017
Book Page	002426/000623
Instrument	10638

Lender

Name	SOUTH CAROLINA FCU
Address	N CHARLESTON, SC 29419-9012

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 1128 Universal Cir was $1,734 with a homeowner's exemption, up 3.7% 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		$385,975 (+2,4%) Land $67,667 Building $318,308	$427,800 (-) Land $75,000 Building $352,800
2025	$1,734.00 (+3.71%) Homeowner's exemption	$15,439 (-) Land $2,707 Building $12,732	$427,800 (-) Land $75,000 Building $352,800
2024	$1,672.00 Homeowner's exemption	$15,439 Land $2,707 Building $12,732	$427,800 Land $75,000 Building $352,800
2022	$1,672.00 Homeowner's exemption	$13,425 Land $1,113 Building $12,312	$347,800 Land $40,000 Building $307,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1128 Universal Cir in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

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 1128 Universal Cir is high, ranking above 70% 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	High above 70% of the US · above 91% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Home Telecom Cable	2,000 / 500

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Universal Cir

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