342 Spectrum Rd, Summerville, SC 29486 Property Records

Berkeley County property record for 342 Spectrum Rd, Summerville, SC 29486

Property Summary

Property Type	Single Family Home
Details	1,770 sqft · built 2014
Lot Size	0.19 acres (8,283 sqft)
Owner	Individual Name on Record
Last Sale	$169,268 (Mar 2014)
Tax Bill	$1,098 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`195-05-01-098`

Property Details

APN / Parcel Number

Primary APN	`195-05-01-098`
Alternative APN	`195-00-00-054`

Interior

Building Area	1,770 sqft Finished Area
Gross Area	2,332 sqft
1st Floor Area	1,770 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	8,283 sqft (0.19 acres)
Garage Area	400 sqft
Porch	Patio
Porch Area	162 sqft

Location & Zoning

Street Address	342 SPECTRUM RD
City	SUMMERVILLE
State	SC
Zip	29486-0903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BERKELEY C
Legal Description	LOT 95
Legal Subdivision	CANE BAY (MAGNOLIA)
Legal Lot Number	95
Jurisdiction	BERKELEY SC
Township / Civil Division	GOOSE CREEK-HANAHAN
Census Block Group	2
Census Block	2083
Census Tract	20711

Owner

Source: Berkeley County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	342 SPECTRUM RD, SUMMERVILLE, SC 29486-0903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2014 · Amount on Record
Deed Sale	Mar 13, 2014 · Amount on Record
Deed Document Number	20145328
Deed Book / Page	10651 / 332
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	342 SPECTRUM RD, SUMMERVILLE, SC 29486-0903
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	EXPERT TITLE & ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04024/0598
Date	Oct 26, 2021
Book Page	4024/598
Instrument	2021050768

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	342 SPECTRUM RD, SUMMERVILLE, SC 29486-0903
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04282/0001
Date	Jun 16, 2022
Book Page	4282/1
Instrument	2022024258

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Berkeley County assessment roll, as of June 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$234,347 (+2,399.97%) Land $73,213 Building $161,134	$360,100 (-) Land $112,500 Building $247,600
2025	$1,098.00 (+4.47%)	$9,374 (-) Land $2,929 Building $6,445	$360,100 (-) Land $112,500 Building $247,600
2024	$1,051.00 (-0.1%) Homeowner's exemption	$9,374 (+15%) Land $2,929 Building $6,445	$360,100 (+63.61%) Land $112,500 Building $247,600
2022	$1,052.00 Homeowner's exemption	$8,151 Land $3,011 Building $5,140	$220,100 Land $81,300 Building $138,800

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 June 18, 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 277 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	277 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Tropical Storm Debby

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 62% of the US · lower than 86% of South Carolina
Wildfire Likelihood	0.05% 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	BCWSA SANGAREE W/D (0820002) serves 95,345 people · EPA ID SC0820002
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Home Telecom Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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