304 Fleming Rd, Charleston, SC 29412 Property Records

Charleston County property record for 304 Fleming Rd, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 834 sqft · built 1960
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Aug 2022)
Tax Bill	$2,179 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`424-04-00-277`

Property Details

APN / Parcel Number

Primary APN	`424-04-00-277`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	834 sqft Living Area
1st Floor Area	834 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	5,227 sqft (0.12 acres)
Terrain	High
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	135 sqft
Patio Area	135 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	304 FLEMING RD
City	CHARLESTON
State	SC
Zip	29412-2404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -CROSS CREEK DESCRIPTION -LOT 1-B BLOCK A
Legal Subdivision	CROSS CREEK
Legal Block	A
Legal Lot Number	1-B
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	1
Census Block	1050
Census Tract	1902

Owner

304 Fleming Rd is owned and occupied by an individual who bought it in August 2022.

Source: Charleston County records, as of September 23, 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	Individual Name on File
Mailing Address	304 FLEMING RD, CHARLESTON, SC 29412-2404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Aug 9, 2022	Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2022 · Amount on File
Deed Sale	Aug 9, 2022 · Amount on File
Prior Sale	May 15, 2012 · Amount on File
Deed Book / Page	1129 / 801
Prior Transfer Date	Aug 27, 2008
Prior Transfer Doc	0006/0874
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	Aug 3, 2026
Property Address	304 FLEMING RD, CHARLESTON, SC 29412-2404
Document Number	0000048555
Book / Page	1407 / 61
Instrument Date	Jul 29, 2026
Instrument	202648555
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	220 TITLE, 20/20 TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 FLEMING RD, CHARLESTON, SC 29412-2404

Mortgage

Document Number	0000048555,
Date	Aug 3, 2026
Book Page	1407/61
Instrument	202648555

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 9, 2022
Property Address	304 FLEMING RD, CHARLESTON, SC 29412-2404
Document Number	0011290801
Book / Page	1129 / 801
Map Reference	MB DC PG 702
Instrument Date	Aug 3, 2022
Transaction Type	Transfer
Record Updated	Nov 2, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,014.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 FLEMING RD, CHARLESTON, SC 29412-2404

Mortgage

Document Number	0001129803
Date	Aug 9, 2022
Instrument	1129/803

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 304 Fleming Rd was $2,179, up 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	$2,179.00 (+5.01%)	$414,000 (+2,553.85%) Land $122,700 Building $291,300	$414,000 Land $122,700 Building $291,300
2024	$2,075.00	$15,600
2022	$637.00	$4,600	$151,618 Land $97,918 Building $53,700
2020			$390,000 Land $150,000 Building $240,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 304 Fleming Rd in Zone X, an area of moderate flood risk, though there have been 192 flood claims nearby since 1979.

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 335 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	335 in force
Nearby Flood Claims	192 (1979–2024)
Claims Outside the SFHA	11 of 192
Most Recent Claim	Mar 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 12 claims Severe Storms And Flooding, Oct 2015 · 10 claims Hurricane Hugo, Sep 1989 · 117 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 304 Fleming Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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