409 Topsail Ct, Wando (Charleston), SC 29492 Property Records

Berkeley County property record for 409 Topsail Ct, Wando, SC 29492

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,178 sqft · built 2019
Lot Size	0.253 acres (11,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Jul 2026)
Tax Bill	$2,090 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2025 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`271-04-04-034`

Property Details

APN / Parcel Number

Primary APN	`271-04-04-034`
Alternative APN	`271-00-02-134`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,178 sqft Finished Area
1st Floor Area	1,062 sqft
2nd Floor Area	1,116 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Roof Material	Asphalt
Lot Area	11,040 sqft (0.253 acres)
Garage Area	1,062 sqft
Porch	Slab
Porch Area	198 sqft
Patio Area	54 sqft

Location & Zoning

Street Address	409 TOPSAIL CT
City	CHARLESTON
State	SC
Zip	29492-2840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BERKELEY C
Legal Description	LOT 82THE LANDINGS AT SWEETWATER PH 1
Legal Subdivision	THE LANDINGS AT SWEETWATER PH 1
Legal Lot Number	82
Jurisdiction	BERKELEY SC
Township / Civil Division	WANDO
Census Block Group	1
Census Block	1103
Census Tract	20404

Owner

Source: Berkeley County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	409 TOPSAIL CT, CHARLESTON, SC 29492-2840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE
Oct 28, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Sep 10, 2020	Deed of Trust, Mortgage SAWNEE CAPITAL CORP
Aug 13, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage HERITAGE TRUST FCU
Oct 13, 2017	Loan Modification, Mortgage NOT AVAILABLE
Oct 30, 2017	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Aug 13, 2019 · Amount on Record
Deed Document Number	202627062
Deed Book / Page	5659 / 272
Prior Transfer Date	Mar 2, 2026
Prior Transfer Doc	0000009872
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKELEY SC
Recording Date	Jul 28, 2026
Property Address	409 TOPSAIL CT, CHARLESTON, SC 29492-2840
Document Number	0000027062
Book / Page	5659 / 272
Instrument Date	Jul 23, 2026
Instrument	202627062
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289,617.50
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	409 TOPSAIL CT, CHARLESTON, SC 29492-2840
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027063,
Date	Jul 28, 2026
Instrument	202627063

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	409 TOPSAIL CT, WANDO, SC 29492-2840
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	05365/0845
Date	Oct 28, 2025
Book Page	5365/845
Instrument	2025036154

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	409 TOPSAIL CT, WANDO, SC 29492-2840
Document Number	3523/0142
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1700 FOREST LAKES BLVD NAPLES FL 341052282, NAPLES, FL 34105-2282

Mortgage

Document Number	3523/0142
Date	Oct 2, 2020
Book Page	003523/000142
Instrument	38274

Lender

Name	SAWNEE CAPITAL CORP
Address	320 DAHLONEGA ST, CUMMING, GA 30040-2410

Agreement

Amount	Amount Recorded

August 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	BERKELEY SC
Recording Date	Aug 13, 2019
Property Address	409 TOPSAIL CT, WANDO, SC 29492-2840
Document Number	03105/0620
Book / Page	3105 / 0620
Map Reference	CAB S PG 64Q-66Q
Instrument Date	Jul 29, 2019
Instrument	2019029001
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,661.30
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 TOPSAIL CT, CHARLESTON, SC 29492-2840

Mortgage

Document Number	2019029002
Date	Aug 13, 2019
Instrument	2019029002

Lender

Name	HERITAGE TRUST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BERKELEY SC
Property Address	409 TOPSAIL CT, WANDO, SC 29492-2840
Document Number	2598/0305
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2857 WESTPORT RD CHARLOTTE NC 282083647, CHARLOTTE, NC 28208-3647
Investor	Possibly a Property Investor

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERKELEY SC
Recording Date	Oct 30, 2017
Property Address	409 TOPSAIL CT, WANDO, SC 29492-2840
Document Number	2598/0297
Book / Page	002598 / 000297
Instrument Date	Oct 12, 2017
Instrument	39521
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,504.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Berkeley County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Berkeley County
Unified School District	Berkeley County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$515,430 (+2,399.9%) Land $132,139 Building $383,291	$585,100 (-) Land $150,000 Building $435,100
2025	$2,090.00 (+3.72%) Homeowner's exemption	$20,618 (-) Land $5,286 Building $15,332	$585,100 (-) Land $150,000 Building $435,100
2024	$2,015.00 (-0.64%) Homeowner's exemption	$20,618 (+15%) Land $5,286 Building $15,332	$585,100 (+30.54%) Land $150,000 Building $435,100
2022	$2,028.00 Homeowner's exemption	$17,928 Land $3,200 Building $14,728	$448,200 Land $80,000 Building $368,200

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

Source: FEMA National Flood Hazard Layer, effective June 18, 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
Flood Insurance Cost	Premium on Record median of 323 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	383 units insured incl. 60 condo units
Nearby Flood Claims	10 (1989–2023)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jul 2023
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.03% 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	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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Home Telecom Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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