274 Spectrum Rd, Summerville, SC 29486 Property Records

Berkeley County property record for 274 Spectrum Rd, Summerville, SC 29486

Property Summary

Property Type	Single Family Home
Details	2,954 sqft · built 2015
Lot Size	0.157 acres (6,874 sqft)
Owner	2 Individual Names on File
Last Sale	$244,135 (Oct 2015)
Tax Bill	$1,515 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`195-05-01-082`

Property Details

APN / Parcel Number

Primary APN	`195-05-01-082`
Alternative APN	`195-00-00-054`

Interior

Building Area	2,954 sqft Finished Area
Gross Area	3,464 sqft
1st Floor Area	1,434 sqft
2nd Floor Area	1,520 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	6,874 sqft (0.157 acres)
Garage Area	510 sqft

Location & Zoning

Street Address	274 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 79
Legal Subdivision	CANE BAY (MAGNOLIA)
Legal Lot Number	79
Jurisdiction	BERKELEY SC
Township / Civil Division	GOOSE CREEK-HANAHAN
Census Block Group	2
Census Block	2083
Census Tract	20711

Owner

274 Spectrum Rd is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	274 SPECTRUM RD, SUMMERVILLE, SC 29486-0902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
May 8, 2026	Deed of Trust, Mortgage · FHA Mortgage WELLSFARGOBANKNA
Apr 9, 2024	Deed of Trust, Mortgage · Closed-End Mortgage FARMERS & MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2015 · Amount on File
Deed Sale	Oct 1, 2015 · Amount on File
Deed Document Number	201533375
Deed Book / Page	2028 / 86
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Recording Date	May 8, 2026
Property Address	274 SPECTRUM RD, SUMMERVILLE, SC 29486-0902
Document Number	0000016348
Book / Page	5570 / 810
Instrument Date	May 4, 2026
Instrument	202616348
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	274 SPECTRUM RD, SUMMERVILLE, SC 29486-0902

Mortgage

Document Number	0000016348,
Date	May 8, 2026
Book Page	5570/810
Instrument	202616348

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	274 SPECTRUM RD, SUMMERVILLE, SC 29486-0902
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 SPECTRUM RD, SUMMERVILLE, SC 29486-0902

Mortgage

Document Number	04827/0396
Date	Apr 9, 2024
Book Page	4827/396
Instrument	2024010485

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	SAINT STEPHEN, SC 29479

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 4, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 274 Spectrum Rd was $1,515 with a homeowner's exemption, up 3.9% 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		$330,395 (+2,399.96%) Land $78,120 Building $252,275	$475,800 (-) Land $112,500 Building $363,300
2025	$1,515.00 (+3.91%) Homeowner's exemption	$13,216 (-) Land $3,125 Building $10,091	$475,800 (-) Land $112,500 Building $363,300
2024	$1,458.00 Homeowner's exemption	$13,216 Land $3,125 Building $10,091	$475,800 Land $112,500 Building $363,300
2022	$1,459.00 Homeowner's exemption	$11,492 Land $3,252 Building $8,240	$287,300 Land $81,300 Building $206,000

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

FEMA maps place 274 Spectrum Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 File 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

Wildfire risk around 274 Spectrum Rd is moderate, ranking above 45% of the US, with a 0.07% annual chance of 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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