3401 Kirkwall Dr, Summerville, SC 29485 Property Records

Charleston County property record for 3401 Kirkwall Dr, Summerville, SC 29485

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,776 sqft · built 2011
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Apr 2016)
Tax Bill	$1,036 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`388-13-00-383`

Property Details

APN / Parcel Number

Primary APN	`388-13-00-383`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,776 sqft Living Area
1st Floor Area	1,182 sqft
Upper Floors Area	1,594 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3401 KIRKWALL DR
City	SUMMERVILLE
State	SC
Zip	29485-9054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -BUCKSHIRE PHASE ONE DESCRIPTION -LOT 227
Legal Subdivision	BUCKSHIRE PHASE ONE
Legal Phase	1
Legal Lot Number	227
Jurisdiction	CHARLESTON SC
Township / Civil Division	NORTH CHARLESTON
Census Block Group	1
Census Block	1085
Census Tract	3106

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3401 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 13, 2022	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2016 · Amount on Record
Deed Sale	Apr 4, 2016 · Amount on Record
Prior Sale	Jul 12, 2011 · Amount on Record
Deed Book / Page	544 / 927
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3401 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Transaction Type	Mortgage
Record Updated	Jan 31, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012110527
Date	Nov 2, 2023
Book Page	1211/527

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 1, 2033

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3401 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010670946
Date	Jan 13, 2022
Book Page	1067/946

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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	$1,036.00 (+7.58%)	$297,562 (+2,775%) Land $44,915 Building $252,647	$442,900 (+67.13%) Land $60,000 Building $382,900
2024	$963.00 (+7.84%)	$10,350 (-)
2022	$893.00	$10,350	$265,000 (-) Land $40,000 Building $225,000
2020			$265,000 Land $40,000 Building $225,000

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

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 Record median of 35 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · Hurricane Matthew

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.04% 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	SUMMERVILLE CPW serves 81,750 people · EPA ID SC1810003
Water Source	Purchased surface water from LAKE MOULTRIE REGIONAL WS
Last State Inspection	Nov 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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