3 Emerson St, Charleston, SC 29412 Property Records

Charleston County property record for 3 Emerson St, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,232 sqft · built 1956
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$910,000 (May 2022)
Tax Bill	$4,342 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`343-05-00-010`

Property Details

APN / Parcel Number

Primary APN	`343-05-00-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,232 sqft Living Area
1st Floor Area	1,363 sqft
Upper Floors Area	869 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cottage
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	120 ft deep x 163 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	240 sqft
Patio Area	480 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Solar

Location & Zoning

Street Address	3 EMERSON ST
City	CHARLESTON
State	SC
Zip	29412-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPPLATB S19 MAPPLATP 0237 SUBDIVISIONNAME FORT PENDLETON HEIGHTS LOT A
Legal Subdivision	FT PENDLETON HGTS
Legal Lot Number	A
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	1
Census Block	1033
Census Tract	1901

Owner

3 Emerson St is owned and occupied by two individuals who bought it in May 2022.

Source: Charleston County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 EMERSON ST, CHARLESTON, SC 29412-2302
Occupancy	Owner Occupied
Owner Type	Individual

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 4, 2022	Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Sep 28, 2021	Deed of Trust, Mortgage · Line of Credit GRANDSOUTH BANK
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MTG
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Prior Sale	Oct 19, 2015 · Amount on File
Deed Book / Page	1106 / 409
Prior Transfer Date	Jun 18, 2013
Prior Transfer Doc	0340/0949
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 4, 2022
Property Address	3 EMERSON ST, CHARLESTON, SC 29412-2302
Document Number	0011060409
Book / Page	1106 / 409
Map Reference	MB S19 PG 237
Instrument Date	Apr 29, 2022
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,366.00
Amount Accuracy	Verified / From Affidavit
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	3 EMERSON ST, CHARLESTON, SC 29412-2302

Mortgage

Document Number	0001106410
Date	May 4, 2022
Instrument	1106/410

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3 EMERSON ST, CHARLESTON, SC 29412-2302
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 EMERSON ST, CHARLESTON, SC 29412-2302

Mortgage

Document Number	0010370656
Date	Sep 28, 2021
Book Page	1037/656

Lender

Name	GRANDSOUTH BANK
Type	Bank
Address	ORANGEBURG, SC 29115

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 22, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3 EMERSON ST, CHARLESTON, SC 29412-2302
Document Number	0928/0575
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Dec 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 EMERSON ST CHARLESTON SC 294122302, CHARLESTON, SC 29412-2302

Mortgage

Document Number	0928/0575
Date	Oct 26, 2020
Book Page	000928/000575

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3 EMERSON ST, CHARLESTON, SC 29412-2302
Document Number	0844/0856
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 EMERSON ST CHARLESTON SC 294122302, CHARLESTON, SC 29412-2302

Mortgage

Document Number	0844/0856
Date	Dec 6, 2019
Book Page	000844/000856

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3 Emerson St was $4,342, down 7.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,342.00 (-7.66%)	$910,000 (+2,4%) Land $350,000 Building $560,000	$910,000 Land $350,000 Building $560,000
2024	$4,702.00	$36,400
2022	$2,528.00	$20,260	$506,430 Land $176,530 Building $329,900
2020			$910,000 Land $350,000 Building $560,000

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 3 Emerson St 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 301 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	301 in force
Nearby Flood Claims	67 (1989–2024)
Claims Outside the SFHA	10 of 67
Most Recent Claim	Apr 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 10 claims Severe Storms And Flooding, Oct 2015 · 8 claims Hurricane Hugo, Sep 1989 · 27 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

Wildfire risk around 3 Emerson St is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 40% of South Carolina
Wildfire Likelihood	0.09% 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	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 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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