237 Spectrum Rd, Summerville, SC 29486 Property Records

Berkeley County property record for 237 Spectrum Rd, Summerville, SC 29486

Property Summary

Property Type	Single Family Home
Details	2,892 sqft · built 2016
Lot Size	0.166 acres (7,239 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Mar 2020)
Tax Bill	$1,566 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`195-05-02-065`

Property Details

APN / Parcel Number

Primary APN	`195-05-02-065`
Alternative APN	`195-00-00-054`

Interior

Stories	2 Stories
Building Area	2,892 sqft Finished Area
Gross Area	3,412 sqft
1st Floor Area	1,320 sqft
2nd Floor Area	1,572 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,239 sqft (0.166 acres)
Garage Area	400 sqft
Porch	Patio
Porch Area	120 sqft

Location & Zoning

Street Address	237 SPECTRUM RD
City	SUMMERVILLE
State	SC
Zip	29486-0902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BERKELEY C
Legal Description	LOT 186MAGNOLIA PH 3 AT CANE BAY
Legal Subdivision	CANE BAY (MAGNOLIA)
Legal Lot Number	186
Jurisdiction	BERKELEY SC
Township / Civil Division	GOOSE CREEK-HANAHAN
Census Block Group	2
Census Block	2039
Census Tract	20711

Owner

Source: Berkeley County records, as of August 18, 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	237 SPECTRUM RD, SUMMERVILLE, SC 29486-0902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 3, 2020	Grant Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on Record
Deed Sale	Mar 3, 2020 · Amount on Record
Deed Document Number	20207794
Deed Book / Page	3290 / 168
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	237 SPECTRUM RD, SUMMERVILLE, SC 29486-0902
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04408/0586
Date	Nov 4, 2022
Book Page	4408/586
Instrument	2022042239

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2037

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	237 SPECTRUM RD, SUMMERVILLE, SC 29486-0902
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3821/0476
Date	May 25, 2021
Book Page	3821/476
Instrument	2021024331

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKELEY SC
Recording Date	Mar 3, 2020
Property Address	237 SPECTRUM RD, SUMMERVILLE, SC 29486-0902
Document Number	2902/0168
Book / Page	032902 / 000168
Instrument Date	Feb 24, 2020
Instrument	7794
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
Amount Accuracy	Confirmed
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	237 SPECTRUM RD SUMMERVILLE SC 294860902, SUMMERVILLE, SC 29486-0902

Mortgage

Document Number	3290/0172
Date	Mar 3, 2020
Book Page	003290/000172
Instrument	7795

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

Tax Assessment & Valuation

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		$344,885 (+2,399.89%) Land $68,992 Building $275,893	$449,900 (-) Land $90,000 Building $359,900
2025	$1,566.00 (+3.85%)	$13,796 (-) Land $2,760 Building $11,036	$449,900 (-) Land $90,000 Building $359,900
2024	$1,508.00 (-0.07%) Homeowner's exemption	$13,796 (+15.01%) Land $2,760 Building $11,036	$449,900 (+50.02%) Land $90,000 Building $359,900
2022	$1,509.00 Homeowner's exemption	$11,996 Land $2,860 Building $9,136	$299,900 Land $71,500 Building $228,400

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 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
Flood Insurance Cost	Premium on Record median of 277 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	277 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Tropical Storm Debby

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	Moderate above 45% of the US · lower than 62% of South Carolina
Wildfire Likelihood	0.07% 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.

Drinking Water

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

Water System	BCWSA SANGAREE W/D (0820002) serves 95,345 people · EPA ID SC0820002
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	Under 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Home Telecom Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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