403 Sumter St, Charleston, SC 29403 Property Records

Charleston County property record for 403 Sumter St, Charleston, SC 29403

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,870 sqft · built 1935
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$1,350,000 (Aug 2026)
Tax Bill	$15,050 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2024 Sale & Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`460-07-02-084`

Property Details

APN / Parcel Number

Primary APN	`460-07-02-084`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	1,870 sqft Total Area
1st Floor Area	890 sqft
Upper Floors Area	980 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Duplex Single
Exterior Material	Aluminum Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	110 ft deep x 31 ft wide

Exterior Amenities

Porch	Slab
Porch Area	360 sqft
Shed	1 Shed
Shed Area	64 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	403 SUMTER ST
City	CHARLESTON
State	SC
Zip	29403-4639
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SUBDIVISION NAME -403 SUMTER ST DESCRIPTION -LT 7
Legal Subdivision	403 SUMTER ST
Legal Lot Number	7
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2001
Census Tract	1100

Owner

403 Sumter St, a duplex, is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	403 SUMTER ST, CHARLESTON, SC 29403-4639
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
Aug 10, 2026	Deed, Transfer · Conventional Mortgage FIRST NATIONAL
Feb 23, 2024	Deed, Transfer · Line of Credit KEVIN FLOUNDERS ETAL
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 1, 2021	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Nov 21, 2020	Foreclosure, Construction Loan · Construction Mortgage FTF LNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Prior Sale	Feb 23, 2024 · Amount on File
Deed Document Number	202650149
Deed Book / Page	1408 / 601
Prior Transfer Date	Oct 29, 2020
Prior Transfer Doc	0937/0651
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 10, 2026
Property Address	403 SUMTER ST, CHARLESTON, SC 29403-4639
Document Number	0000050149
Book / Page	1408 / 601
Instrument Date	Aug 6, 2026
Instrument	202650149
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$504,495.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SUMTER ST, CHARLESTON, SC 29403-4639

Mortgage

Document Number	0000050150,
Date	Aug 10, 2026
Instrument	202650150

Lender

Name	FIRST NATIONAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Feb 23, 2024
Property Address	403 SUMTER ST, CHARLESTON, SC 29403-4639
Document Number	0012290832
Book / Page	1229 / 832
Map Reference	MB B PG 114
Instrument Date	Feb 21, 2024
Transaction Type	Transfer
Record Updated	Apr 24, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,302.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SUMTER ST, CHARLESTON, SC 29403-4639

Mortgage

Document Number	0012290833
Date	Feb 23, 2024
Book Page	1229/833

Lender

Name	KEVIN FLOUNDERS ETAL
Type	Private Party
Address	345 COINBOW DR, MOUNT PLEASANT, SC 29464

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	403 SUMTER ST, CHARLESTON, SC 29403-4639
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SUMTER ST, CHARLESTON, SC 29403-4639

Mortgage

Document Number	0012050786
Date	Sep 29, 2023
Book Page	1205/786

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Jul 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 1, 2021
Property Address	403 SUMTER ST, CHARLESTON, SC 29403-4639
Document Number	0010470980
Book / Page	1047 / 980
Map Reference	MB B PG 114
Instrument Date	Oct 8, 2021
Transaction Type	Transfer
Record Updated	Feb 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SUMTER ST, CHARLESTON, SC 29403-4639

Mortgage

Document Number	0001047982
Date	Nov 1, 2021
Instrument	1047/982

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

November 2020: Foreclosure, Construction Loan

Document Type	Foreclosure
Jurisdiction	CHARLESTON SC
Recording Date	Nov 21, 2020
Property Address	403 SUMTER ST, CHARLESTON, SC 29403-4639
Document Number	0937/0651
Book / Page	000937 / 000651
Instrument Date	Oct 29, 2020
Transaction Type	Construction Loan
Record Updated	Jan 14, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$282.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2130 WEAVER ST CHARLESTON SC 294033016, CHARLESTON, SC 29403-3016

Mortgage

Document Number	937/0653
Date	Nov 21, 2020
Book Page	000937/000653

Lender

Name	FTF LNDG LLC
Address	1300 E 9TH ST # 800, CLEVELAND, OH 44114-1517

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 20, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 403 Sumter St was $15,050, up 42.4% 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	Charleston City
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,050.00 (+42.44%)	$1,270,000 (+2,773.3%) Land $271,500 Building $998,500	$1,270,000 (+49.41%) Land $271,500 Building $998,500
2024	$10,566.00	$44,200	$850,000 Land $225,100 Building $624,900
2022	$11,615.00	$47,430	$850,000 Land $225,100 Building $624,900
2020			$850,000 Land $225,100 Building $624,900

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 403 Sumter St 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 150 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	162 units insured incl. 12 condo units
Nearby Flood Claims	74 (1979–2024)
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims Severe Storms And Flooding, Oct 2015 · 7 claims Hurricane Hugo, Sep 1989 · 22 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

The area around 403 Sumter 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,055 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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