404 Sumter St, Charleston, SC 29403 Property Records

Charleston County property record for 404 Sumter St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,784 sqft · built 1935
Lot Size	0.198 acres (8,638 sqft)
Owner	Company Name on Record
Last Sale	$885,000 (Jun 2025)
Tax Bill	$10,695 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Nov 2019 Construction Loan + 3 more
Flood Zone	Zone AE (high risk)
APN	`460-07-02-262`

Property Details

APN / Parcel Number

Primary APN	`460-07-02-262`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,784 sqft Living Area
1st Floor Area	904 sqft
Upper Floors Area	880 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Lot Area	8,638 sqft (0.198 acres)
Porch	Porch
Porch Area	216 sqft

Location & Zoning

Street Address	404 SUMTER ST
City	CHARLESTON
State	SC
Zip	29403-4904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPPLATB 0672 MAPPLATP 284 SUBDIVISIONNAME ASHLEY SQAURE AT SUMTER HPR LOT 404 SUMTER STREET
Legal Subdivision	ASHLEY SQAURE AT SUMTER HPR
Legal Lot Number	404
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2000
Census Tract	1100

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	23 OAK ST, BEVERLY, MA 01915-2205
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Grant Deed, Transfer · Conventional with PMI BANK OF SC
Nov 6, 2019	Trustee's Deed, Construction Loan · Construction Mortgage JENNIFER LEPAGE
Aug 29, 2019	Trustee's Deed, Construction Loan · Construction Mortgage SHERROD WATSON N JR F/TR (PT)
Mar 26, 2019	Trustee's Deed, Construction Loan · Line of Credit SOUTH ATLANTIC BK
Oct 20, 2017	Grant Deed, Construction Loan · Construction Mortgage RONALD E COX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2025 · Amount on Record
Deed Sale	Jun 4, 2025 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Book / Page	1317 / 387
Record Updated	Oct 29, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 27, 2020
Property Address	404 SUMTER ST, CHARLESTON, SC 29403-4904
Document Number	0910/0081
Book / Page	000910 / 000081
Instrument Date	Aug 20, 2020
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$557.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 SUMTER ST CHARLESTON SC 294034904, CHARLESTON, SC 29403-4904

Mortgage

Document Number	910/0083
Date	Aug 27, 2020
Book Page	000910/000083

Lender

Name	BANK OF SC
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 6, 2019
Property Address	404 SUMTER ST, CHARLESTON, SC 29403-4904
Book / Page	000837 / 000479
Instrument Date	Oct 31, 2019
Transaction Type	Construction Loan
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	404 SUMTER ST CHARLESTON SC 294034904, CHARLESTON, SC 29403-4904

Mortgage

Document Number	0837/0479
Date	Nov 6, 2019
Book Page	000837/000479

Lender

Name	JENNIFER LEPAGE
Address	3 SUTHERLAND AVE, CHARLESTON, SC 29403-4308

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 5, 2020

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 29, 2019
Property Address	404 SUMTER ST, CHARLESTON, SC 29403-4904
Book / Page	000819 / 000738
Instrument Date	Aug 15, 2019
Transaction Type	Construction Loan
Record Updated	Sep 30, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	404 SUMTER ST CHARLESTON SC 294034904, CHARLESTON, SC 29403-4904

Mortgage

Document Number	0819/0738
Date	Aug 29, 2019
Book Page	000819/000738

Lender

Name	SHERROD WATSON N JR F/TR (PT)
Address	382 SUGAR CANE WAY, MOUNT PLEASANT, SC 29464-2740

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 28, 2020

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 26, 2019
Property Address	404 SUMTER ST, CHARLESTON, SC 29403-4904
Book / Page	000785 / 000749
Instrument Date	Mar 19, 2019
Transaction Type	Construction Loan
Record Updated	May 1, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 11TH AVE CHARLESTON SC 294033666, CHARLESTON, SC 29403-3666

Mortgage

Document Number	0785/0749
Date	Mar 26, 2019
Book Page	000785/000749

Lender

Name	SOUTH ATLANTIC BK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 25, 2020

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Oct 20, 2017
Property Address	404 SUMTER ST, CHARLESTON, SC 29403-4904
Document Number	0674/0517
Book / Page	000674 / 000517
Instrument Date	Oct 11, 2017
Transaction Type	Construction Loan
Record Updated	May 1, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$267.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 11TH AVE CHARLESTON SC 294033666, CHARLESTON, SC 29403-3666

Mortgage

Document Number	674/0519
Date	Oct 20, 2017
Book Page	000674/000519

Lender

Name	RONALD E COX
Address	5948 DUNGANNON PLANTATION WAY, RAVENEL, SC 29470-5625

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 19, 2018

Tax Assessment & Valuation

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	$10,695.00 (+10.5%)	$639,975 (+1,816.67%) Land $230,000 Building $409,975	$826,400 (+48.5%) Land $335,300 Building $491,100
2024	$9,679.00 (+142.58%)	$33,390 (+36.34%)
2022	$3,990.00	$24,490	$556,500 (-) Land $200,000 Building $356,500
2020			$556,500 Land $200,000 Building $356,500

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 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 Record 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

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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