1520 Capel St, Mount Pleasant, SC 29466 Property Records

Charleston County property record for 1520 Capel St, Mount Pleasant, SC 29466

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,578 sqft · built 2007
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (May 2022)
Tax Bill	$4,787 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`594-13-00-094`

Property Details

APN / Parcel Number

Primary APN	`594-13-00-094`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,578 sqft Living Area
Gross Area	5,877 sqft
1st Floor Area	2,233 sqft
Upper Floors Area	1,345 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Multi-Family
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Terrain	High

Exterior Amenities

Porch	Slab
Porch Area	537 sqft
Deck Area	240 sqft
Patio Area	935 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	1520 CAPEL ST
City	MOUNT PLEASANT
State	SC
Zip	29466-8377
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -MASONBOROUGH PHASE FOUR DESCRIPTION -LOT 82
Legal Subdivision	MASONBOROUGH PHASE FOUR
Legal Phase	4
Legal Lot Number	82
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	2
Census Block	2013
Census Tract	4617

Owner

Source: Charleston County records, as of October 20, 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	1520 CAPEL ST, MOUNT PLEASANT, SC 29466-8377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 17, 2022	Deed, Transfer · Conventional Mortgage ANGEL OAK HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Dec 19, 2012 · Amount on Record
Deed Book / Page	1109 / 799
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	1520 CAPEL ST, MOUNT PLEASANT, SC 29466-8377
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 CAPEL ST, MOUNT PLEASANT, SC 29466-8377

Mortgage

Document Number	0013550280
Date	Dec 9, 2025
Book Page	1355/280

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year TN
Margin	2
Max Rate	10.5%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 17, 2022
Property Address	1520 CAPEL ST, MOUNT PLEASANT, SC 29466-8377
Document Number	0011090799
Book / Page	1109 / 799
Map Reference	MB EJ PG 631
Instrument Date	Apr 18, 2022
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,250.00
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	1520 CAPEL ST, MOUNT PLEASANT, SC 29466-8377

Mortgage

Document Number	0001109805
Date	May 17, 2022
Instrument	1109/805

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,787.00 (-1.01%)	$1,280,000 (+2,4%) Land $225,000 Building $1,055,000	$1,280,000 (+93.38%) Land $225,000 Building $1,055,000
2024	$4,836.00 (+99.42%)	$51,200 (+93.43%)
2022	$2,425.00	$26,470	$661,900 (-48.29%) Land $160,800 Building $501,100
2020			$1,280,000 Land $225,000 Building $1,055,000

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

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 996 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,036 units insured incl. 40 condo units
Nearby Flood Claims	9 (2015–2024)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Severe Storms And Flooding, Oct 2015 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% 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.

Drinking Water

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

Water System	MT PLEASANT WATERWORKS serves 91,500 people · EPA ID SC1010002
Water Source	Purchased surface water from CHARLESTON WATER SYSTEM
Last State Inspection	Dec 2022
Lead	1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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