Charleston County property record for 320 Shoals Dr, Mount Pleasant, SC 29464
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,215 sqft · built 2005 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $862,500 (Apr 2022) |
| Tax Bill | $3,727 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 537-00-00-157 |
| Primary APN | 537-00-00-157 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,215 sqft Living Area |
| 1st Floor Area | 1,787 sqft |
| Upper Floors Area | 1,428 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Terrain | High |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 344 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 320 SHOALS DR |
|---|---|
| City | MOUNT PLEASANT |
| State | SC |
| Zip | 29464-7764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -GRASSY CREEK DESCRIPTION -LOT 3 PHASE 2 |
| Legal Subdivision | GRASSY CREEK |
| Legal Phase | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 4614 |
320 Shoals Dr is owned and occupied by two individuals who bought it in April 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 SHOALS DR, MOUNT PLEASANT, SC 29464-7764 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTH CAROLINA FCU |
| Apr 5, 2022 | Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Aug 7, 2018 | Deed of Trust, Mortgage SOUTH ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2022 · Amount on File |
| Deed Sale | Apr 5, 2022 · Amount on File |
| Prior Sale | Oct 16, 2003 · Amount on File |
| Deed Book / Page | 1097 / 54 |
| Prior Transfer Date | Mar 31, 2010 |
| Prior Transfer Doc | 0116/0129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 320 SHOALS DR, MOUNT PLEASANT, SC 29464-7764 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2026 |
| Title Company | WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Name | Verified Name |
|---|
| Document Number | 0013740746 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | 1374/746 |
| Name | SOUTH CAROLINA FCU |
|---|---|
| Type | Credit Union |
| Address | NORTH CHARLESTON, SC 29419 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 25, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Apr 5, 2022 |
| Property Address | 320 SHOALS DR, MOUNT PLEASANT, SC 29464-7764 |
| Document Number | 0010970054 |
| Book / Page | 1097 / 54 |
| Map Reference | MB EG PG 588-592 |
| Instrument Date | Feb 18, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,242.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 SHOALS DR, MOUNT PLEASANT, SC 29464-7764 |
| Document Number | 0000109756 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 1097/56 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 320 SHOALS DR, MOUNT PLEASANT, SC 29464-7764 |
| Document Number | 0740/0298 |
| Instrument Date | Aug 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2018 |
| Name | Verified Name |
|---|---|
| Address | 320 SHOALS DR MOUNT PLEASANT SC 294647764, MOUNT PLEASANT, SC 29464-7764 |
| Document Number | 0740/0298 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 000740/000298 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | N CHARLESTON, SC 29406 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
The 2025 property tax bill for 320 Shoals Dr was $3,727, up 12.8% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Mount Pleasant Town |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,727.00 (+12.77%) | $991,300 (+2,775%) Land $345,000 Building $646,300 | $1,168,900 Land $433,800 Building $735,100 |
| 2024 | $3,305.00 | $34,480 | |
| 2022 | $2,157.00 | $23,650 | $767,100 Land $300,400 Building $466,700 |
| 2020 | $862,000 Land $300,000 Building $562,000 |
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.
FEMA maps place 320 Shoals Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 251 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 297 units insured incl. 46 condo units |
| Nearby Flood Claims | 2 (2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
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 risk around 320 Shoals Dr is moderate, ranking above 51% 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 51% of the US · above 59% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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