394 Commonwealth Rd, Mount Pleasant, SC 29466 Property Records

Charleston County property record for 394 Commonwealth Rd, Mount Pleasant, SC 29466

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,948 sqft · built 2000
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,030 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`596-08-00-046`

Property Details

APN / Parcel Number

Primary APN	`596-08-00-046`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,948 sqft Living Area
1st Floor Area	1,948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	183 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	258 sqft
Deck Area	340 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	394 COMMONWEALTH RD
City	MOUNT PLEASANT
State	SC
Zip	29466-8327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -RIVER STATION DESCRIPTION -LOT 44 BLOCK A
Legal Subdivision	RIVER STATION
Legal Block	A
Legal Lot Number	44
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	1
Census Block	1046
Census Tract	4617

Owner

394 Commonwealth Rd is owned and occupied by two individuals.

Source: Charleston County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	394 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8327
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
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 12, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK
Jul 20, 2020	Deed of Trust, Mortgage BENCHMARK MTG
Jul 26, 2019	Deed of Trust, Mortgage · Line of Credit ARK-LA-TEX FIN'L SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	394 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8327
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09680348
Date	Mar 8, 2021
Book Page	968/348

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	394 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8327
Document Number	0908/0368
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 COMMONWEALTH RD MOUNT PLEASANT SC 294668327, MOUNT PLEASANT, SC 29466-8327

Mortgage

Document Number	0908/0368
Date	Aug 20, 2020
Book Page	000908/000368

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 19, 2045

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	394 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8327
Document Number	0900/0066
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	394 COMMONWEALTH RD MOUNT PLEASANT SC 294668327, MOUNT PLEASANT, SC 29466-8327

Mortgage

Document Number	0900/0066
Date	Jul 28, 2020
Book Page	000900/000066

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	394 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8327
Document Number	0816/0252
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	394 COMMONWEALTH RD MOUNT PLEASANT SC 294668327, MOUNT PLEASANT, SC 29466-8327

Mortgage

Document Number	0816/0252
Date	Aug 14, 2019
Book Page	000816/000252

Lender

Name	ARK-LA-TEX FIN'L SVCS
Type	Funding / Finance Company
Address	PLANO, TX 75024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 394 Commonwealth Rd was $2,030, up 12% from the year before.

Source: Charleston County assessment roll, as of August 1, 2025

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
2025	$2,030.00 (+12.03%)	$509,977 (+2,774.73%) Land $200,727 Building $309,250	$942,700 Land $472,500 Building $470,200
2024	$1,812.00	$17,740
2022	$1,658.00	$17,740	$500,000 Land $196,800 Building $303,200
2020			$500,000 Land $196,800 Building $303,200

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 394 Commonwealth Rd 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 359 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	359 in force
Nearby Flood Claims	7 (1994–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Severe Storms And Flooding, Oct 2015 · 3 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 394 Commonwealth Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% 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	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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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