Georgetown County property record for 115 Saint James St, Georgetown, SC 29440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,512 sqft · built 1905 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $224,900 (Jan 2012) |
| Tax Bill | $2,515 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 0500320011.00.00 |
| Primary APN | 0500320011.00.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,512 sqft Living Area |
| Gross Area | 3,340 sqft |
| 1st Floor Area | 1,256 sqft |
| 2nd Floor Area | 1,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Shingles |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 468 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 22968 |
|---|---|
| Street Address | 115 SAINT JAMES ST |
| City | GEORGETOWN |
| State | SC |
| Zip | 29440-3765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PTS 238 & 239 GEO |
| Legal Subdivision | PATRICK M SIAU AND ETTA M SIAU |
| Legal Lot Number | 238&239 |
| Jurisdiction | GEORGETOWN SC |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 920302 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Georgetown Historic District listed 1971 · 48 contributing resources · NRIS 71000781 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Georgetown County records, as of January 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 115 SAINT JAMES ST, GEORGETOWN, SC 29440-3765 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Dec 1, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2012 · Amount on Record |
| Deed Sale | Jan 11, 2012 · Amount on Record |
| Prior Sale | Jun 15, 2009 · Amount on Record |
| Deed Document Number | 2012322 |
| Deed Book / Page | 1819 / 87 |
| Last Transfer Date | Nov 24, 2020 |
| Transfer Doc | 3958/0262 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN SC |
| Property Address | 115 SAINT JAMES ST, GEORGETOWN, SC 29440-3765 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 03734/0288 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 3734/288 |
| Instrument | 202000003193 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN SC |
| Property Address | 115 SAINT JAMES ST, GEORGETOWN, SC 29440-3765 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 03948/0056 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 3948/56 |
| Instrument | 202000013668 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN SC |
| Property Address | 115 SAINT JAMES ST, GEORGETOWN, SC 29440-3765 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 04227/0080 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 4227/80 |
| Instrument | 202100015200 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GEORGETOWN SC |
| Recording Date | Dec 1, 2020 |
| Property Address | 115 SAINT JAMES ST, GEORGETOWN, SC 29440-3765 |
| Document Number | 3958/0262 |
| Book / Page | 003958 / 000262 |
| Instrument Date | Nov 24, 2020 |
| Instrument | 14161 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 115 SAINT JAMES ST GEORGETOWN SC 294403765, GEORGETOWN, SC 29440-3765 |
Source: Georgetown County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Georgetown County |
| Municipality | Georgetown City |
| Unified School District | Georgetown County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,515.00 (+6.43%) | $10,881 (+14.98%) Land $1,892 Building $8,989 | $485,900 (+90.77%) Land $84,500 Building $401,400 |
| 2023 | $2,363.00 (+17.68%) | $9,463 (-) Land $2,415 Building $7,048 | $254,700 (-) Land $65,000 Building $189,700 |
| 2022 | $2,008.00 | $9,463 Land $2,415 Building $7,048 | $254,700 Land $65,000 Building $189,700 |
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.
Source: FEMA National Flood Hazard Layer, effective June 18, 2025 · 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 Record median of 188 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 188 in force |
| Nearby Flood Claims | 268 (1979–2025) |
| Claims Outside the SFHA | 45 of 268 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 93% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | CITY OF GEORGETOWN serves 9,092 people · EPA ID SC2210001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 7 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2026 |
|---|---|
| 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 173 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| HTC Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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