Charleston County property record for 409 Mutual Dr, Charleston, SC 29414
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,204 sqft · built 1990 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $712,000 (Jul 2024) |
| Tax Bill | $3,545 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 310-10-00-013 |
| Primary APN | 310-10-00-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,204 sqft Living Area |
| Gross Area | 3,904 sqft |
| 1st Floor Area | 1,218 sqft |
| Upper Floors Area | 986 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Multi-Family |
| Exterior Material | Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 133 ft deep x 105 ft wide |
| Terrain | High |
| Porch | Slab |
| Porch Area | 666 sqft |
| Patio Area | 215 sqft |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Gas |
| Street Address | 409 MUTUAL DR |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29414-4809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -SYLVAN SHORES DESCRIPTION -LOT 1 SECTION IV PHASE III |
| Legal Subdivision | SYLVAN SHORES |
| Legal Phase | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | WEST ASHLEY |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 2801 |
409 Mutual Dr is owned and occupied by two individuals who bought it in July 2024.
Source: Charleston County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 MUTUAL DR, CHARLESTON, SC 29414-4809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 27, 2020 | Grant Deed, Transfer · FHA Mortgage MOVEMENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2024 · Amount on File |
| Deed Sale | Jul 25, 2024 · Amount on File |
| Prior Sale | Oct 27, 2020 · Amount on File |
| Deed Book / Page | 1258 / 728 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 409 MUTUAL DR, CHARLESTON, SC 29414-4809 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 409 MUTUAL DR, CHARLESTON, SC 29414-4809 |
| Document Number | 0010790376 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 1079/376 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Oct 27, 2020 |
| Property Address | 409 MUTUAL DR, CHARLESTON, SC 29414-4809 |
| Document Number | 0929/0763 |
| Book / Page | 000929 / 000763 |
| Instrument Date | Oct 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 MUTUAL DR CHARLESTON SC 294144809, CHARLESTON, SC 29414-4809 |
| Document Number | 929/0764 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 000929/000764 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 26, 2050 |
The 2025 property tax bill for 409 Mutual Dr was $3,545, up 77.2% 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 | $3,545.00 (+77.16%) | $712,000 (+4,646.67%) Land $178,000 Building $534,000 | $712,000 Land $178,000 Building $534,000 |
| 2024 | $2,001.00 | $15,000 | |
| 2022 | $1,856.00 | $15,000 | $375,000 Land $86,000 Building $289,000 |
| 2020 | $375,000 Land $86,000 Building $289,000 |
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 409 Mutual Dr 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 210 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 314 units insured incl. 104 condo units |
| Nearby Flood Claims | 91 (1979–2023) |
| Claims Outside the SFHA | 7 of 91 |
| Most Recent Claim | Dec 2023 · tidal / storm surge |
| 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.
Wildfire risk around 409 Mutual Dr is high, ranking above 73% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 93% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond 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 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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