Charleston County property record for 421 Oak St, Charleston, SC 29407
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,499 sqft · built 1944 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Feb 2017) |
| Tax Bill | $2,227 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jan 2023 Mortgage + 9 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 350-06-00-006 |
| Primary APN | 350-06-00-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,499 sqft Living Area |
| 1st Floor Area | 1,499 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Cottage |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Dimensions | 165 ft deep x 135 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Patio Area | 156 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 196 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 421 OAK ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29407-6967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -STONO PARK DESCRIPTION -LT 100 BLK I |
| Legal Subdivision | STONO PARK |
| Legal Block | I |
| Legal Lot Number | 100 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | WEST ASHLEY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 2802 |
421 Oak St is owned and occupied by two individuals who acquired it in March 2022.
Source: Charleston County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| 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.
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jan 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Jan 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Mar 16, 2022 | Intrafamily Transfer, Transfer |
| Jan 8, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Dec 5, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 12, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Jul 16, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 6, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Dec 13, 2017 | Deed of Trust, Mortgage · Line of Credit AMERIS BK |
| Feb 1, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2017 · Amount on File |
| Deed Sale | Feb 1, 2017 · Amount on File |
| Deed Book / Page | 614 / 203 |
| Last Transfer Date | Mar 15, 2022 |
| Transfer Doc | 0010890479 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0013730967 |
|---|---|
| Date | Mar 9, 2026 |
| Book Page | 1373/967 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 13, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0011600071 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 1160/71 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0011600071 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 1160/71 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Mar 16, 2022 |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0010890479 |
| Book / Page | 1089 / 479 |
| Map Reference | MB E PG 59 |
| Instrument Date | Mar 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jan 8, 2019 |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0770/0795 |
| Book / Page | 000770 / 000795 |
| Instrument Date | Jan 4, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 OAK ST CHARLESTON SC 294076967, CHARLESTON, SC 29407-6967 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Dec 5, 2018 |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0764/0273 |
| Book / Page | 000764 / 000273 |
| Instrument Date | Nov 29, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2453 S EDGEWATER DR CHARLESTON SC 29407, CHARLESTON, SC 29407 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Oct 12, 2018 |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0752/0899 |
| Book / Page | 000752 / 000899 |
| Instrument Date | Oct 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 OAK ST CHARLESTON SC 294076967, CHARLESTON, SC 29407-6967 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jul 16, 2018 |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0733/0114 |
| Book / Page | 000733 / 000114 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 OAK ST CHARLESTON SC 294076967, CHARLESTON, SC 29407-6967 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Aug 6, 2018 |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0738/0494 |
| Book / Page | 000738 / 000494 |
| Instrument Date | Jun 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 147 WAPPOO CREEK DR #401 CHARLESTON SC 294122123, 401, CHARLESTON, SC 29412-2123 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0685/0980 |
| Book / Page | 000685 / 000980 |
| Instrument Date | Dec 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1453 S EDGEWATER DR CHARLESTON SC 294077618, CHARLESTON, SC 29407-7618 |
| Document Number | 0685/0980 |
|---|---|
| Date | Dec 13, 2017 |
| Book Page | 000685/000980 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29407 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 12, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Feb 1, 2017 |
| Property Address | 421 OAK ST, CHARLESTON, SC 29407-6967 |
| Document Number | 0614/0203 |
| Book / Page | 000614 / 000203 |
| Instrument Date | Feb 1, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 147 WAPPOO CREEK DR #400 CHARLESTON SC 294122123, 400, CHARLESTON, SC 29412-2123 |
The 2025 property tax bill for 421 Oak St was $2,227, up 11.3% 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 | $2,227.00 (+11.29%) | $424,500 (+2,73%) Land $146,700 Building $277,800 | $424,500 Land $146,700 Building $277,800 |
| 2024 | $2,001.00 | $15,000 | |
| 2022 | $961.00 | $7,360 | $247,000 Land $85,300 Building $161,700 |
| 2020 | $375,000 Land $100,000 Building $275,000 |
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 421 Oak St in Zone X, an area of moderate flood risk, though there have been 86 flood claims nearby since 1979.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 180 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 180 in force |
| Nearby Flood Claims | 86 (1979–2017) |
| Claims Outside the SFHA | 4 of 86 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 421 Oak St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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