291 Commonwealth Rd, Mount Pleasant, SC 29466 Property Records

Charleston County property record for 291 Commonwealth Rd, Mount Pleasant, SC 29466

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,532 sqft · built 2018
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jan 2014)
Tax Bill	$3,127 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2018 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`596-08-00-185`

Property Details

APN / Parcel Number

Primary APN	`596-08-00-185`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,532 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	29,621 sqft (0.68 acres)

Location & Zoning

Street Address	291 COMMONWEALTH RD
City	MOUNT PLEASANT
State	SC
Zip	29466-8371
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -DARRELL CREEK PHASE THREE DESCRIPTION -LOT 78
Legal Subdivision	DARRELL CREEK PHASE THREE
Legal Phase	3
Legal Lot Number	78
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	2
Census Block	2028
Census Tract	4617

Owner

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 Record
Mailing Address	291 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8371
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 1, 2018	Loan Modification, Mortgage · Line of Credit SOUTH CAROLINA FCU
Aug 7, 2017	Trustee's Deed, Construction Loan · Construction Mortgage SOUTH CAROLINA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2014 · Amount on Record
Deed Sale	Jan 21, 2014 · Amount on Record
Prior Sale	Nov 18, 2011 · Amount on Record
Deed Book / Page	384 / 828
Prior Transfer Date	Sep 9, 2011
Prior Transfer Doc	0206/0706
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	291 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8371
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010530540
Date	Nov 17, 2021
Book Page	1053/540

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

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

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLESTON SC
Property Address	291 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8371
Document Number	0760/0888
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 COMMONWEALTH RD MOUNT PLEASANT SC 294668371, MOUNT PLEASANT, SC 29466-8371

Mortgage

Document Number	0760/0888
Date	Nov 16, 2018
Book Page	000760/000888

Lender

Name	SOUTH CAROLINA FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

Interest

Rate Type	Adjustable Rate

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 7, 2017
Property Address	291 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8371
Book / Page	000657 / 000743
Instrument Date	Jul 28, 2017
Transaction Type	Construction Loan
Record Updated	Sep 8, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 COMMONWEALTH RD MOUNT PLEASANT SC 29466, MOUNT PLEASANT, SC 29466

Mortgage

Document Number	0657/0743
Date	Aug 7, 2017
Book Page	000657/000743

Lender

Name	SOUTH CAROLINA FCU
Address	N CHARLESTON, SC 29419-9012

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,127.00 (+13.34%)	$859,625 (+2,981.09%) Land $213,829 Building $645,796	$1,312,300 (+68.7%) Land $420,800 Building $891,500
2024	$2,759.00 (+8.37%)	$27,900 (-)
2022	$2,546.00	$27,900	$777,900 (-) Land $193,500 Building $584,400
2020			$777,900 Land $193,500 Building $584,400

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 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 996 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,036 units insured incl. 40 condo units
Nearby Flood Claims	9 (2015–2024)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Severe Storms And Flooding, Oct 2015 · 2 claims

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 43% of the US · lower than 67% of South Carolina
Wildfire Likelihood	0.05% 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	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

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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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