2331 Santee River Rd, Saint Stephen, SC 29479 Property Records

Berkeley County property record for 2331 Santee River Rd, Saint Stephen, SC 29479

Property Summary

Property Type	Single Family Home
Details	3,400 sqft · built 2013
Lot Size	9.36 acres (407,722 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Apr 2014)
Tax Bill	$1,310 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-00-02-109`

Property Details

APN / Parcel Number

Primary APN	`049-00-02-109`
Alternative APN	`049-00-02-014`

Interior

Stories	1 Story
Building Area	3,400 sqft Finished Area
Gross Area	5,389 sqft
1st Floor Area	2,074 sqft
2nd Floor Area	1,326 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	407,722 sqft (9.36 acres)
Garage Area	850 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	234 sqft
Deck Area	600 sqft
Patio Area	480 sqft

Location & Zoning

Street Address	2331 SANTEE RIVER RD
City	SAINT STEPHEN
State	SC
Zip	29479-3847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BERKELEY C
Legal Subdivision	ALVIN AREA
Jurisdiction	BERKELEY SC
Township / Civil Division	BONNEAU
Census Block Group	1
Census Block	1003
Census Tract	20301

Owner

2331 Santee River Rd is owned and occupied by an individual who bought it in April 2014.

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

Owner of Record	Individual Name on File
Mailing Address	2331 SANTEE RIVER RD, SAINT STEPHEN, SC 29479-3847
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
Dec 18, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2014 · Amount on File
Deed Sale	Apr 7, 2014 · Amount on File
Prior Sale	Apr 7, 2014 · Amount on File
Deed Document Number	20147262
Deed Book / Page	10690 / 293
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	2331 SANTEE RIVER RD, SAINT STEPHEN, SC 29479-3847
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 SANTEE RIVER RD, SAINT STEPHEN, SC 29479-3847

Mortgage

Document Number	05419/0551
Date	Dec 18, 2025
Book Page	5419/551
Instrument	2025042607

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	2331 SANTEE RIVER RD, SAINT STEPHEN, SC 29479-3847
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02641/0050
Date	Dec 27, 2017
Book Page	2641/0050
Instrument	2017045963

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	2331 SANTEE RIVER RD, SAINT STEPHEN, SC 29479-3847
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04026/0879
Date	Oct 28, 2021
Book Page	4026/879
Instrument	2021051073

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 2331 Santee River Rd was $1,310 with a homeowner's exemption, up 4% 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		$308,760 (+2,399.88%) Land $30,793 Building $277,967	$431,100 (-) Land $137,400 Building $293,700
2025	$1,310.00 (+3.97%)	$12,351 (-) Land $1,232 Building $11,119	$431,100 (-) Land $137,400 Building $293,700
2024	$1,260.00 Homeowner's exemption	$12,351 Land $1,232 Building $11,119	$431,100 Land $137,400 Building $293,700
2022	$1,232.00 Homeowner's exemption	$10,752 Land $476 Building $10,276	$303,700 Land $46,800 Building $256,900

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

FEMA maps place 2331 Santee River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 2331 Santee River Rd is moderate, ranking above 65% 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	Moderate above 65% of the US · above 86% of South Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 16 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

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