Charleston County property record for 38 Grove St, Charleston, SC 29403
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,055 sqft · built 1935 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $395,000 (Jun 2018) |
| Tax Bill | $2,214 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Jun 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 463-12-03-007 |
| Primary APN | 463-12-03-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,055 sqft Living Area |
| 1st Floor Area | 1,055 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Galvanized Metal |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 109 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 154 sqft |
| Cooling System | None |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Street Address | 38 GROVE ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29403-3706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -20 GROVE DESCRIPTION -LT 42 |
| Legal Subdivision | 20 GROVE |
| Legal Lot Number | 42 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | CHARLESTON CENTRAL |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 5300 |
38 Grove St is owned and occupied by two individuals who bought it in June 2018.
Source: Charleston County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 GROVE ST, CHARLESTON, SC 29403-3706 |
| 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.
| Date | Document |
|---|---|
| Oct 9, 2019 | Deed of Trust, Mortgage · Conventional with PMI SUNTRUST BK |
| Jun 19, 2018 | Grant Deed, Transfer · Conventional with PMI SUNTRUST MTG |
| Jan 18, 2018 | Grant Deed, Transfer · Line of Credit FIRST RELIANCE BK |
| Mar 24, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on File |
| Deed Sale | Jun 19, 2018 · Amount on File |
| Prior Sale | Jan 18, 2018 · Amount on File |
| Deed Book / Page | 726 / 897 |
| Prior Transfer Date | Sep 22, 2011 |
| Prior Transfer Doc | 0002100754 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 38 GROVE ST, CHARLESTON, SC 29403-3706 |
| Document Number | 0831/0219 |
| Instrument Date | Oct 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 38 GROVE ST CHARLESTON SC 294033706, CHARLESTON, SC 29403-3706 |
| Document Number | 0831/0219 |
|---|---|
| Date | Oct 17, 2019 |
| Book Page | 000831/000219 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 16, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jun 19, 2018 |
| Property Address | 38 GROVE ST, CHARLESTON, SC 29403-3706 |
| Document Number | 0726/0897 |
| Book / Page | 000726 / 000897 |
| Instrument Date | Jun 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 38 GROVE ST CHARLESTON SC 294033706, CHARLESTON, SC 29403-3706 |
| Document Number | 726/0898 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 000726/000898 |
| Name | SUNTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 18, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jan 18, 2018 |
| Property Address | 38 GROVE ST, CHARLESTON, SC 29403-3706 |
| Document Number | 0692/0930 |
| Book / Page | 000692 / 000930 |
| Instrument Date | Jan 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $240.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 GROVE ST CHARLESTON SC 294033706, CHARLESTON, SC 29403-3706 |
| Document Number | 692/0932 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 000692/000932 |
| Name | FIRST RELIANCE BK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Mar 24, 2017 |
| Property Address | 38 GROVE ST, CHARLESTON, SC 29403-3706 |
| Document Number | 0625/0446 |
| Book / Page | 000625 / 000446 |
| Instrument Date | Feb 8, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2820 MIDDLE ST SULLIVANS ISLAND SC 294828640, SULLIVANS ISLAND, SC 29482-8640 |
The 2025 property tax bill for 38 Grove St was $2,214, up 13.6% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Charleston City |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,214.00 (+13.6%) | $454,250 (+2,775%) Land $201,250 Building $253,000 | $616,600 Land $251,500 Building $365,100 |
| 2024 | $1,949.00 | $15,800 | |
| 2022 | $1,850.00 | $15,800 | $395,000 Land $175,000 Building $220,000 |
| 2020 | $395,000 Land $175,000 Building $220,000 |
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.
FEMA maps place 38 Grove St in Zone X, an area of moderate flood risk, though there have been 28 flood claims nearby since 1982.
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 128 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 130 units insured incl. 2 condo units |
| Nearby Flood Claims | 28 (1982–2022) |
| Claims Outside the SFHA | 6 of 28 |
| Most Recent Claim | Jul 2022 · other causes |
| 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.
The area around 38 Grove St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | CHARLESTON WATER SYSTEM serves 278,771 people · EPA ID SC1010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2025 |
| 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 572 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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