291 Sumter St, Charleston, SC 29403 Property Records

Charleston County property record for 291 Sumter St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,568 sqft · built 1935
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Trust Names on File
Last Sale	$739,000 (Dec 2022)
Tax Bill	$4,889 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jun 2022 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`460-04-04-047`

Property Details

APN / Parcel Number

Primary APN	`460-04-04-047`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,568 sqft Living Area
1st Floor Area	1,532 sqft
Upper Floors Area	1,036 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Multi-Family
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Galvanized Metal
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Porch	Slab
Porch Area	470 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	291 SUMTER ST
City	CHARLESTON
State	SC
Zip	29403-4610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEGAL DESCRIPTIONS DO NOT EXIST FOR THIS ACCOUNT.
Legal Subdivision	293 SUMTER ST
Legal Phase	5A
Legal Block	G
Legal Lot Number	2
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1020
Census Tract	5300

Owner

291 Sumter St is owner-occupied and held in a trust since December 2022.

Source: Charleston County records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	291 SUMTER ST, CHARLESTON, SC 29403-4610
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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, 2023	Deed of Trust, Mortgage · Line of Credit MIDFIRST BANK
Jun 28, 2022	Deed of Distribution, Transfer
Aug 31, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Feb 13, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA CALIFORNIA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2022 · Amount on File
Deed Sale	Dec 14, 2022 · Amount on File
Deed Book / Page	1153 / 458
Prior Transfer Date	Oct 30, 2022
Prior Transfer Doc	1211000387
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	291 SUMTER ST, CHARLESTON, SC 29403-4610
Transaction Type	Mortgage
Record Updated	Jul 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011780217
Date	May 8, 2023
Book Page	1178/217

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73162

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 3, 2053

Interest

Rate Type	Adjustable Rate

June 2022: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	CHARLESTON SC
Recording Date	Jun 28, 2022
Property Address	291 SUMTER ST, CHARLESTON, SC 29403-4610
Document Number	0011200026
Book / Page	1120 / 26
Instrument Date	Apr 12, 2022
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 SUMTER ST, CHARLESTON, SC 29403-4610

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	291 SUMTER ST, CHARLESTON, SC 29403-4610
Document Number	0746/0704
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 SUMTER ST CHARLESTON SC 294034610, CHARLESTON, SC 29403-4610

Mortgage

Document Number	0746/0704
Date	Sep 17, 2018
Book Page	000746/000704

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2048

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	291 SUMTER ST, CHARLESTON, SC 29403-4610
Document Number	0700/0471
Instrument Date	Feb 13, 2018
Transaction Type	Mortgage
Record Updated	Mar 16, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 SUMTER ST CHARLESTON SC 294034610, CHARLESTON, SC 29403-4610

Mortgage

Document Number	0700/0471
Date	Feb 22, 2018
Book Page	000700/000471

Lender

Name	BANK OF AMERICA CALIFORNIA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 291 Sumter St was $4,889, up 9.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,889.00 (+9.5%)	$1,005,330 (+2,774.84%) Land $401,235 Building $604,095	$1,150,800 Land $429,800 Building $721,000
2024	$4,465.00	$34,970
2022	$1,671.00	$13,430	$617,300 Land $349,300 Building $268,000
2020			$874,200 Land $348,900 Building $525,300

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 291 Sumter St in Zone X, an area of moderate flood risk, though there have been 28 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 128 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	130 units insured incl. 2 condo units
Nearby Flood Claims	28 (1982–2022)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Jul 2022 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims Severe Storms And Flooding, Oct 2015 · 8 claims Hurricane Hugo, Sep 1989 · 9 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

The area around 291 Sumter St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CHARLESTON WATER SYSTEM serves 278,771 people · EPA ID SC1010001
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2025
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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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