3522 River Rd, Johns Island, SC 29455 Property Records

Charleston County property record for 3522 River Rd, Johns Island, SC 29455

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,352 sqft · built 1980
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Tax Bill	$222 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`275-00-00-101`

Property Details

APN / Parcel Number

Primary APN	`275-00-00-101`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,352 sqft Living Area
1st Floor Area	2,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	160 ft deep x 160 ft wide
Terrain	High
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	119 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	3522 RIVER RD
City	JOHNS ISLAND
State	SC
Zip	29455-8821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -OLD BARN DESCRIPTION -LOT B
Legal Subdivision	OLD BARN
Legal Lot Number	B
Jurisdiction	CHARLESTON SC
Township / Civil Division	JOHNS ISLAND
Census Block Group	2
Census Block	2049
Census Tract	2103

Owner

3522 River Rd is owned and occupied by an individual who acquired it in April 2004.

Source: Charleston County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	3522 RIVER RD, JOHNS ISLAND, SC 29455-8821
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Jan 21, 2017	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 20, 2004
Transfer Doc	D492/0168
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3522 RIVER RD, JOHNS ISLAND, SC 29455-8821
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009780349
Date	Apr 5, 2021
Book Page	978/349

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3522 RIVER RD, JOHNS ISLAND, SC 29455-8821
Document Number	0889/0395
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3522 RIVER RD JOHNS ISLAND SC 294558821, JOHNS ISLAND, SC 29455-8821

Mortgage

Document Number	0889/0395
Date	Jun 11, 2020
Book Page	000889/000395

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jun 10, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3522 RIVER RD, JOHNS ISLAND, SC 29455-8821
Document Number	0615/0068
Book / Page	000615 / 000068
Instrument Date	Jan 21, 2017
Transaction Type	Mortgage
Record Updated	Feb 15, 2017
Title Company	DOCUMENT PROCESSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3522 RIVER RD JOHNS ISLAND SC 294558821, JOHNS ISLAND, SC 29455-8821

Mortgage

Document Number	0615/0068
Date	Feb 6, 2017
Book Page	000615/000068

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3522 River Rd was $222.

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	$222.00	$276,535 Land $56,640 Building $219,895	$356,400 Land $82,000 Building $274,400
2024	$222.00
2022	$171.00	$10,956 Land $2,240 Building $8,716	$273,900 Land $56,000 Building $217,900
2020			$273,900 Land $56,000 Building $217,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3522 River Rd in Zone X, an area of moderate flood risk, though there have been 42 flood claims nearby since 1979.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 300 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	300 in force
Nearby Flood Claims	42 (1979–2022)
Claims Outside the SFHA	11 of 42
Most Recent Claim	Sep 2022 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 6 claims Severe Storms And Flooding, Oct 2015 · 10 claims Hurricane Hugo, Sep 1989 · 13 claims

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

Wildfire risk around 3522 River Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 80% of South Carolina
Wildfire Likelihood	0.2% 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	ST JOHN'S WATER private · serves 22,592 people · EPA ID SC1020002
Water Source	Purchased surface water from CHARLESTON WATER SYSTEM
Last State Inspection	Dec 2022
Lead	2 ppb (2023–2025) 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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