401 Charing Cross Rd, Irmo, SC 29063 Property Records

Richland County property record for 401 Charing Cross Rd, Irmo, SC 29063

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,675 sqft · built 1973
Lot Size	0.31 acres (13,599 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jul 2020)
Tax Bill	$1,296 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04005-04-12`

Property Details

APN / Parcel Number

Primary APN	`04005-04-12`
Alternative APNs	`R04005-04-12` `00048068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,675 sqft Heated Area
Gross Area	2,438 sqft
1st Floor Area	1,675 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Raised Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,599 sqft (0.31 acres)
Lot Dimensions	136 ft deep x 100 ft wide
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	47 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00048068
Street Address	401 CHARING CROSS RD
City	IRMO
State	SC
Zip	29063-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 11 BLK E 100X136X106.5X136.2 #SU FRIARSGATE #PR X-1775 51-6553
Legal Subdivision	OLD FRIARSGATE
Legal Block	E
Legal Lot Number	11
Jurisdiction	RICHLAND SC
Township / Civil Division	DUTCH FORK
Census Block Group	1
Census Block	1018
Census Tract	10305

Owner

Source: Richland County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	401 CHARING CROSS RD, IRMO, SC 29063-2323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 24, 2020	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG
Nov 20, 2017	Deed of Trust, Mortgage · Conventional with PMI CONTOUR MTG
Nov 20, 2017	Deed of Trust, Mortgage · Conventional with PMI CONTOUR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Jul 9, 2009 · Amount on Record
Deed Document Number	202036934
Deed Book / Page	2512 / 1008
Prior Transfer Date	Nov 20, 2017
Prior Transfer Doc	0022651206
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	401 CHARING CROSS RD, IRMO, SC 29063-2323
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CHARING CROSS RD, IRMO, SC 29063-2323
Investor	Possibly a Property Investor

Mortgage

Document Number	0027701768
Date	Aug 12, 2022
Book Page	2770/1768
Instrument	2022045804

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2052

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Jul 24, 2020
Property Address	401 CHARING CROSS RD, IRMO, SC 29063-2323
Document Number	2512/1008
Book / Page	002512 / 001008
Instrument Date	Jul 9, 2020
Instrument	36934
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	401 CHARING CROSS RD IRMO SC 290632323, IRMO, SC 29063-2323

Mortgage

Document Number	2512/1011
Date	Jul 24, 2020
Book Page	002512/001011
Instrument	36935

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	401 CHARING CROSS RD, IRMO, SC 29063-2323
Document Number	2265/1210
Book / Page	002265 / 001210
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018
Title Company	AMERICAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 CHARING CROSS RD IRMO SC 290632323, IRMO, SC 29063-2323

Mortgage

Document Number	2265/1210
Date	Dec 7, 2017
Book Page	002265/001210
Instrument	91971

Lender

Name	CONTOUR MTG
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	401 CHARING CROSS RD, IRMO, SC 29063-2323
Document Number	2292/3899
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	May 1, 2018
Title Company	AMERICAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 CHARING CROSS RD IRMO SC 290632323, IRMO, SC 29063-2323

Mortgage

Document Number	2292/3899
Date	Apr 5, 2018
Book Page	002292/003899
Instrument	21142

Lender

Name	CONTOUR MTG
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Irmo Town
Unified School District	Lexington School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,296.00 (+25.7%) Homeowner's exemption	$184,000 (-)	$221,300 (-) Land $28,000 Building $193,300
2024		$184,000 (+2,775%)	$221,300 (+38.31%) Land $28,000 Building $193,300
2023	$1,031.00 (-2%)	$6,400 (-)	$160,000 (-)
2021	$1,052.00	$6,400	$160,000 Land $22,400 Building $137,600

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

Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2009 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.02% 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	CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021
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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CarolinaConnect Cooperative Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

401 Charing Cross Rd, Irmo, SC 29063 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Charing Cross Rd

Nearby Streets

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