Charleston County property record for 249 River Oak Dr, Mount Pleasant, SC 29464
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,136 sqft · built 2005 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $820,000 (Oct 2020) |
| Tax Bill | $3,638 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 537-00-00-195 |
| Primary APN | 537-00-00-195 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,136 sqft Living Area |
| 1st Floor Area | 1,640 sqft |
| Upper Floors Area | 1,496 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Multi-Family |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 32,670 sqft (0.75 acres) |
| Terrain | High |
| Garage Type | Detached |
| Porch | Slab |
|---|---|
| Porch Area | 823 sqft |
| Deck Area | 156 sqft |
| Patio Area | 348 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 249 RIVER OAK DR |
|---|---|
| City | MOUNT PLEASANT |
| State | SC |
| Zip | 29464-8295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -GRASSY CREEK DESCRIPTION -LOT 40 PHASE 2 |
| Legal Subdivision | GRASSY CREEK |
| Legal Phase | 2 |
| Legal Lot Number | 40 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 4614 |
249 River Oak Dr is owned and occupied by two individuals who bought it in October 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 | 249 RIVER OAK DR, MOUNT PLEASANT, SC 29464-8295 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Nov 3, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 30, 2020 | Grant Deed, Transfer CAROLINA ONE MTG |
| Dec 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on File |
| Deed Sale | Oct 30, 2020 · Amount on File |
| Prior Sale | Aug 13, 2004 · Amount on File |
| Deed Book / Page | 930 / 785 |
| Prior Transfer Date | Oct 19, 2020 |
| Prior Transfer Doc | 0930/0785 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Apr 13, 2026 |
| Property Address | 249 RIVER OAK DR, MOUNT PLEASANT, SC 29464-8295 |
| Document Number | 1381000715 |
| Book / Page | 1381 / 715 |
| Instrument Date | Apr 1, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 249 RIVER OAK DR, MOUNT PLEASANT, SC 29464-8295 |
| Document Number | 1381000715, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 1381/715 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 249 RIVER OAK DR, MOUNT PLEASANT, SC 29464-8295 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0011460758 |
|---|---|
| Date | Nov 3, 2022 |
| Book Page | 1146/758 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 13, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Oct 30, 2020 |
| Property Address | 249 RIVER OAK DR, MOUNT PLEASANT, SC 29464-8295 |
| Document Number | 0930/0785 |
| Book / Page | 000930 / 000785 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 249 RIVER OAK DR MOUNT PLEASANT SC 294648295, MOUNT PLEASANT, SC 29464-8295 |
| Document Number | 930/0787 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 000930/000787 |
| Name | CAROLINA ONE MTG |
|---|---|
| Type | Mortgage Company |
| Address | NORTH CHARLESTON, SC 29405 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 249 RIVER OAK DR, MOUNT PLEASANT, SC 29464-8295 |
| Document Number | 0852/0606 |
| Instrument Date | Dec 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 249 RIVER OAK DR MOUNT PLEASANT SC 294648295, MOUNT PLEASANT, SC 29464-8295 |
| Document Number | 0852/0606 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 000852/000606 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 468 Months |
| Due | Jan 12, 2059 |
The 2025 property tax bill for 249 River Oak Dr was $3,638, up 12.8% 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 | $3,638.00 (+12.77%) | $966,000 (+2,775%) Land $345,000 Building $621,000 | $1,200,000 Land $450,000 Building $750,000 |
| 2024 | $3,226.00 | $33,600 | |
| 2022 | $2,996.00 | $33,600 | $840,000 Land $300,000 Building $540,000 |
| 2020 | $840,000 Land $300,000 Building $540,000 |
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 249 River Oak Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 File median of 251 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 297 units insured incl. 46 condo units |
| Nearby Flood Claims | 2 (2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
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 249 River Oak Dr is moderate, ranking above 66% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 87% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures