3620 Tidal Flat Cir, Mount Pleasant, SC 29466 Property Records

Charleston County property record for 3620 Tidal Flat Cir, Mount Pleasant, SC 29466

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,208 sqft · built 2019
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$1,025,000 (Jun 2022)
Tax Bill	$3,886 (2024)
Deeds & Mortgages	May 2024 Second Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`614-09-00-249`

Property Details

APN / Parcel Number

Primary APN	`614-09-00-249`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,208 sqft Living Area

Exterior

Year Built	Built 2019
Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Street Address	3620 TIDAL FLAT CIR
City	MOUNT PLEASANT
State	SC
Zip	29466-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POLTWP MAPPLATB L17 MAPPLATP 0659-0663 SUBDIVISIONNAME STRATTON BY THE SOUND PHASE 2 BLOCK LOT 122 GOVLOT TRACT
Legal Subdivision	STRATTON BY THE SOUND
Legal Phase	2
Legal Lot Number	122
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	1
Census Block	1020
Census Tract	4609

Owner

3620 Tidal Flat Cir is owned and occupied by an individual who bought it in June 2022.

Source: Charleston County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3620 TIDAL FLAT CIR, MOUNT PLEASANT, SC 29466-9427
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
May 7, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 16, 2022	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 28, 2020	Grant Deed, Subdivision Related Transfer · Line of Credit BEACON CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on File
Deed Sale	Jun 16, 2022 · Amount on File
Prior Sale	Jul 28, 2020 · Amount on File
Deed Document Number	0001117167
Deed Book / Page	1117 / 167
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3620 TIDAL FLAT CIR, MOUNT PLEASANT, SC 29466-9427
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012430341
Date	May 7, 2024
Book Page	1243/341

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 16, 2022
Property Address	3620 TIDAL FLAT CIR, MOUNT PLEASANT, SC 29466-9427
Document Number	0011170167
Book / Page	1117 / 167
Map Reference	MB L18 PG 139-143
Instrument Date	May 24, 2022
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,665.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3620 TIDAL FLAT CIR, MOUNT PLEASANT, SC 29466-9427

Mortgage

Document Number	0001117169
Date	Jun 16, 2022
Instrument	1117/169

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 28, 2020
Property Address	3620 TIDAL FLAT CIR, MOUNT PLEASANT, SC 29466-9427
Document Number	0900/0412
Book / Page	000900 / 000412
Instrument Date	Jul 17, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3620 TIDAL FLAT CIR MOUNT PLEASANT SC 294669427, MOUNT PLEASANT, SC 29466-9427

Mortgage

Document Number	900/0452
Date	Jul 28, 2020
Book Page	000900/000452

Lender

Name	BEACON CMNTY BK
Address	CHARLESTON, SC 29403

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of September 13, 2024

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,886.00	$41,000
2022	$2,388.00	$26,400	$660,000 Land $155,000 Building $505,000
2020			$1,025,000 Land $250,000 Building $775,000

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

FEMA maps place 3620 Tidal Flat Cir 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	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 332 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	332 in force
Nearby Flood Claims	37 (1979–2024)
Claims Outside the SFHA	4 of 37
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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 3620 Tidal Flat Cir is high, ranking above 77% 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	High above 77% of the US · above 96% 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	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

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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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