3085 Moonlight Dr, Charleston, SC 29414 Property Records

Charleston County property record for 3085 Moonlight Dr, Charleston, SC 29414

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,226 sqft · built 2011
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$563,000 (Sep 2025)
Tax Bill	$2,389 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`286-00-00-323`

Property Details

APN / Parcel Number

Primary APN	`286-00-00-323`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,226 sqft Living Area
1st Floor Area	1,786 sqft
Upper Floors Area	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	254 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3085 MOONLIGHT DR
City	CHARLESTON
State	SC
Zip	29414-8048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -BOLTONS LANDING PHASE 3B DESCRIPTION -LOT 188
Legal Subdivision	BOLTONS LANDING PHASE 3B
Legal Phase	3B
Legal Lot Number	188
Jurisdiction	CHARLESTON SC
Township / Civil Division	WEST ASHLEY
Census Block Group	1
Census Block	1122
Census Tract	5602

Owner

3085 Moonlight Dr is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3085 MOONLIGHT DR, CHARLESTON, SC 29414-8048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 16, 2025	Deed, Transfer · FHA Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 17, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 15, 2021	Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	Mar 17, 2022 · Amount on File
Deed Document Number	2025
Deed Book / Page	1338 / 84
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Sep 16, 2025
Property Address	3085 MOONLIGHT DR, CHARLESTON, SC 29414-8048
Document Number	0013380084
Book / Page	1338 / 84
Map Reference	MB 110 PG 347-349
Instrument Date	Aug 28, 2025
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.80
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	3085 MOONLIGHT DR, CHARLESTON, SC 29414-8048

Mortgage

Document Number	0000133885
Date	Sep 16, 2025
Instrument	1338/85

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 17, 2022
Property Address	3085 MOONLIGHT DR, CHARLESTON, SC 29414-8048
Document Number	0010890848
Book / Page	1089 / 848
Map Reference	MB L10 PG 347-349
Instrument Date	Feb 17, 2022
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	COOPERATIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,198.60
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	3085 MOONLIGHT DR, CHARLESTON, SC 29414-8048

Mortgage

Document Number	0001089849
Date	Mar 17, 2022
Instrument	1089/849

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 15, 2021
Property Address	3085 MOONLIGHT DR, CHARLESTON, SC 29414-8048
Document Number	09710062
Book / Page	971 / 62
Map Reference	MB L10 PG 0347-0349
Instrument Date	Mar 10, 2021
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	1845 LAKE CUNNINGHAM RD, GREER, SC 29651-5368

Mortgage

Document Number	97163
Date	Mar 15, 2021
Instrument	971/63

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 3085 Moonlight Dr was $2,389, up 9.7% from the year before.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
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	$2,389.00 (+9.69%)	$509,800 (+3,000.97%) Land $111,200 Building $398,600	$509,800 Land $111,200 Building $398,600
2024	$2,178.00	$16,440
2022	$1,879.00	$15,200	$380,000 Land $85,000 Building $295,000
2020			$461,000 Land $125,000 Building $336,000

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 3085 Moonlight Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2015.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 405 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	405 in force
Nearby Flood Claims	11 (2015–2025)
Claims Outside the SFHA	1 of 11
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 3 claims Severe Storms And Flooding, Oct 2015 · 4 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 3085 Moonlight Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 48% of South Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

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

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