4178 Westerly Ln, Charleston, SC 29414 Property Records

Charleston County property record for 4178 Westerly Ln, Charleston, SC 29414

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	Trust Name on File
Last Sale	$465,100 (Jul 2023)
Tax Bill	$2,413 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jul 2023 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`359-14-00-019`

Property Details

APN / Parcel Number

Primary APN	`359-14-00-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Terrain	High
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	15 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	4178 WESTERLY LN
City	CHARLESTON
State	SC
Zip	29414-7529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -RIVER OAKS PHASE V DESCRIPTION -LOT 164
Legal Subdivision	RIVER OAKS PHASE V
Legal Phase	5
Legal Lot Number	164
Jurisdiction	CHARLESTON SC
Township / Civil Division	WEST ASHLEY
Census Block Group	2
Census Block	2005
Census Tract	5701

Owner

4178 Westerly Ln is owner-occupied and held in a trust since July 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	4178 WESTERLY LN, CHARLESTON, SC 29414-7529
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Commercial Mortgage FINEMARK NATIONAL BANK & TRUST
Jul 20, 2023	Deed, Transfer WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC
Jul 7, 2021	Deed of Trust, Mortgage · Line of Credit REV FEDERAL CREDIT UNION
May 24, 2021	Deed of Trust, Mortgage FINEMARK NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Deed Book / Page	1192 / 517
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	4178 WESTERLY LN, CHARLESTON, SC 29414-7529
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011860557
Date	Jun 21, 2023
Book Page	1186/557

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	CHARLESTON, SC 29492

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 20, 2023
Property Address	4178 WESTERLY LN, CHARLESTON, SC 29414-7529
Document Number	0011920517
Book / Page	1192 / 517
Map Reference	MB EC PG 201
Instrument Date	Jul 14, 2023
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount on Record
Tax	$1,210.30
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4178 WESTERLY LN, CHARLESTON, SC 29414-7529

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	4178 WESTERLY LN, CHARLESTON, SC 29414-7529
Transaction Type	Mortgage
Record Updated	Feb 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010110162
Date	Jul 7, 2021
Book Page	1011/162

Lender

Name	REV FEDERAL CREDIT UNION
Type	Credit Union
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	4178 WESTERLY LN, CHARLESTON, SC 29414-7529
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09930907
Date	May 24, 2021
Book Page	993/907

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	CHARLESTON, SC 29492

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4178 Westerly Ln was $2,413, down 1.3% 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	$2,413.00 (-1.31%)	$465,100 (+2,400.54%) Land $105,000 Building $360,100	$465,100 Land $105,000 Building $360,100
2024	$2,445.00	$18,600
2022	$1,218.00	$9,550	$251,500 Land $65,000 Building $186,500
2020			$465,100 Land $105,000 Building $360,100

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 4178 Westerly Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 101 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	131 units insured incl. 30 condo units
Nearby Flood Claims	18 (2015–2026)
Most Recent Claim	May 2026 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 4 claims Severe Storms And Flooding, Oct 2015 · 13 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

Wildfire risk around 4178 Westerly Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.01% 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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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