3431 Kirkwall Dr, Summerville, SC 29485 Property Records

Charleston County property record for 3431 Kirkwall Dr, Summerville, SC 29485

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,848 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2007)
Tax Bill	$1,008 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`388-13-00-378`

Property Details

APN / Parcel Number

Primary APN	`388-13-00-378`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,848 sqft Living Area
1st Floor Area	1,326 sqft
Upper Floors Area	1,522 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Multi-Family
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Terrain	High
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	3431 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 222
Legal Subdivision	BUCKSHIRE PHASE ONE
Legal Phase	1
Legal Lot Number	222
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 October 20, 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	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 5, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Sep 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 23, 2019	Deed of Trust, Mortgage · VA Mortgage CONTOUR MTG
Apr 23, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2007 · Amount on Record
Deed Sale	Jul 19, 2007 · Amount on Record
Prior Sale	Aug 7, 2006 · Amount on Record
Deed Book / Page	632 / 898
Last Transfer Date	Aug 21, 2020
Transfer Doc	0918/0341
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	May 5, 2026
Property Address	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Document Number	1386000846
Book / Page	1386 / 846
Instrument Date	Apr 29, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VETERAN EXPRESS TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054

Mortgage

Document Number	1386000846,
Date	May 5, 2026
Book Page	1386/846

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Transaction Type	Mortgage
Record Updated	Mar 6, 2024
Title Company	PUNCTUAL ABSTRACT COMPANY INC, PUNCTUAL ABSTRACT CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010490859
Date	Nov 5, 2021
Book Page	1049/859

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jul 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Sep 23, 2020
Property Address	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Document Number	0913/0341
Book / Page	000913 / 000341
Instrument Date	Sep 21, 2020
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3431 KIRKWALL DR SUMMERVILLE SC 294859054, SUMMERVILLE, SC 29485-9054

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Sep 23, 2020
Property Address	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Document Number	0918/0341
Book / Page	000918 / 000341
Instrument Date	Sep 21, 2020
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3431 KIRKWALL DR SUMMERVILLE SC 294859054, SUMMERVILLE, SC 29485-9054

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Document Number	0800/0664
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	AMERICAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 KIRKWALL DR SUMMERVILLE SC 294859054, SUMMERVILLE, SC 29485-9054

Mortgage

Document Number	0800/0664
Date	Jun 10, 2019
Book Page	000800/000664

Lender

Name	CONTOUR MTG
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3431 KIRKWALL DR, SUMMERVILLE, SC 29485-9054
Document Number	0716/0880
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 KIRKWALL DR SUMMERVILLE SC 294859054, SUMMERVILLE, SC 29485-9054

Mortgage

Document Number	0716/0880
Date	May 7, 2018
Book Page	000716/000880

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

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	$1,008.00 (+7.58%)	$287,511 (+2,775.11%) Land $44,207 Building $243,304	$413,900 (+58.7%) Land $60,000 Building $353,900
2024	$937.00 (+7.83%)	$10,000 (-)
2022	$869.00	$10,000	$260,800 (-) Land $40,100 Building $220,700
2020			$260,800 Land $40,100 Building $220,700

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 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% 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	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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