Charleston County property record for 197 Tidal Currents Ln, Mount Pleasant, SC 29464
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,596 sqft · built 2007 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $755,000 (Apr 2020) |
| Tax Bill | $3,545 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Apr 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 537-00-00-132 |
| Primary APN | 537-00-00-132 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,596 sqft Living Area |
| 1st Floor Area | 2,152 sqft |
| Upper Floors Area | 1,444 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Multi-Family |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 480 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Gas |
| Street Address | 197 TIDAL CURRENTS LN |
|---|---|
| City | MOUNT PLEASANT |
| State | SC |
| Zip | 29464-7770 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -GRASSEY CREEK DESCRIPTION -LOT 34 PHASE I |
| Legal Subdivision | GRASSEY CREEK |
| Legal Phase | 1 |
| Legal Lot Number | 34 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 4614 |
197 Tidal Currents Ln is owned and occupied by two individuals who bought it in April 2020.
Source: Charleston County records, as of October 20, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 197 TIDAL CURRENTS LN, MOUNT PLEASANT, SC 29464-7770 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 7, 2020 | Grant Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2020 · Amount on File |
| Deed Sale | Apr 7, 2020 · Amount on File |
| Prior Sale | Oct 21, 2015 · Amount on File |
| Deed Book / Page | 872 / 274 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 197 TIDAL CURRENTS LN, MOUNT PLEASANT, SC 29464-7770 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0012210023 |
|---|---|
| Date | Jan 2, 2024 |
| Book Page | 1221/23 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 22, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Apr 7, 2020 |
| Property Address | 197 TIDAL CURRENTS LN, MOUNT PLEASANT, SC 29464-7770 |
| Document Number | 0872/0274 |
| Book / Page | 000872 / 000274 |
| Instrument Date | Mar 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $755.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 197 TIDAL CURRENTS LN MOUNT PLEASANT SC 294647770, MOUNT PLEASANT, SC 29464-7770 |
| Document Number | 872/0275 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | 000872/000275 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 6, 2050 |
The 2025 property tax bill for 197 Tidal Currents Ln was $3,545, up 19.6% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Mount Pleasant Town |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,545.00 (+19.6%) | $927,950 (+2,972.68%) Land $342,900 Building $585,050 | $1,630,000 Land $435,000 Building $1,195,000 |
| 2024 | $2,964.00 | $30,200 | |
| 2022 | $2,740.00 | $30,200 | $755,000 Land $300,000 Building $455,000 |
| 2020 | $755,000 Land $300,000 Building $455,000 |
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.
FEMA maps place 197 Tidal Currents Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 429 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 429 in force |
| Nearby Flood Claims | 13 (1999–2023) |
| Claims Outside the SFHA | 3 of 13 |
| Most Recent Claim | Dec 2023 · other causes |
| 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.
Wildfire risk around 197 Tidal Currents Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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 |
| 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 362 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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