Charleston County property record for 346 Middle St, Mount Pleasant, SC 29464
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,559 sqft · built 2010 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,450,000 (Aug 2010) |
| Tax Bill | $8,485 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 532-13-00-071 |
| Primary APN | 532-13-00-071 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,559 sqft Living Area |
| 1st Floor Area | 2,588 sqft |
| Upper Floors Area | 1,971 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 12,197 sqft (0.28 acres) |
| Terrain | High |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 1,588 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 346 MIDDLE ST |
|---|---|
| City | MOUNT PLEASANT |
| State | SC |
| Zip | 29464-5059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESCRIPTION -W PART 101 |
| Legal Subdivision | STEPHENS ENGINEERING INC |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 4701 |
346 Middle St is owner-occupied and held in a trust since August 2010.
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 | Trust Name on File |
|---|---|
| Mailing Address | 346 MIDDLE ST, MOUNT PLEASANT, SC 29464-5059 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 24, 2019 | Deed of Trust, Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2010 · Amount on File |
| Deed Sale | Aug 5, 2010 · Amount on File |
| Prior Sale | Jun 9, 2010 · Amount on File |
| Deed Book / Page | 137 / 92 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 346 MIDDLE ST, MOUNT PLEASANT, SC 29464-5059 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0010380033 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 1038/33 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 346 MIDDLE ST, MOUNT PLEASANT, SC 29464-5059 |
| Document Number | 0838/0773 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 346 MIDDLE ST MOUNT PLEASANT SC 294645059, MOUNT PLEASANT, SC 29464-5059 |
| Document Number | 0838/0773 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 000838/000773 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | 4801 FREDERICA ST, OWENSBORO, KY 42301-7441 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 11, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
The 2025 property tax bill for 346 Middle St was $8,485, up 13.3% 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 | $8,485.00 (+13.25%) | $2,328,865 (+2,775.14%) Land $883,890 Building $1,444,975 | $4,186,200 Land $1,383,800 Building $2,802,400 |
| 2024 | $7,492.00 | $81,000 | |
| 2022 | $7,027.00 | $81,000 | $2,025,100 Land $768,600 Building $1,256,500 |
| 2020 | $2,025,100 Land $768,600 Building $1,256,500 |
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 346 Middle St 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 512 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 646 units insured incl. 134 condo units |
| Nearby Flood Claims | 72 (1980–2024) |
| Claims Outside the SFHA | 33 of 72 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| Claims by Event |
|
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 346 Middle St is high, ranking above 72% 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 | High above 72% of the US · above 93% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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 203 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL | 100 / 20 |
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