Richland County property record for 424 Charing Cross Rd, Irmo, SC 29063
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,671 sqft · built 1972 |
| Lot Size | 0.363 acres (15,822 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,000 (Apr 2017) |
| Tax Bill | $1,056 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04005-06-06 |
| Primary APN | 04005-06-06 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,671 sqft Heated Area |
| Gross Area | 2,512 sqft |
| 1st Floor Area | 1,671 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Raised Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,822 sqft (0.363 acres) |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 291 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00048237 |
|---|---|
| Street Address | 424 CHARING CROSS RD |
| City | IRMO |
| State | SC |
| Zip | 29063-2324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 7 BLK F 105X140X105X140 #SU FRIARSGATE #PR X-175/1541 51-8276 |
| Legal Subdivision | OLD FRIARSGATE |
| Legal Block | F |
| Legal Lot Number | 7 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | DUTCH FORK |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 10305 |
424 Charing Cross Rd is owned and occupied by an individual who bought it in April 2017.
Source: Richland County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 424 CHARING CROSS RD, IRMO, SC 29063-2324 |
| 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 |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Apr 3, 2017 | Grant Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2017 · Amount on File |
| Deed Sale | Apr 3, 2017 · Amount on File |
| Deed Document Number | 201722845 |
| Deed Book / Page | 2199 / 640 |
| Prior Transfer Date | Sep 30, 2005 |
| Prior Transfer Doc | 0011160681 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 424 CHARING CROSS RD, IRMO, SC 29063-2324 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0026652927 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 2665/2927 |
| Instrument | 2021061935 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 3, 2017 |
| Property Address | 424 CHARING CROSS RD, IRMO, SC 29063-2324 |
| Document Number | 2199/0640 |
| Book / Page | 002199 / 000640 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 22845 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $469.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 424 CHARING CROSS RD IRMO SC 290632324, IRMO, SC 29063-2324 |
| Document Number | 2199/0643 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 002199/000643 |
| Instrument | 22846 |
| Name | AMERICAN HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | PHILADELPHIA, PA 19115 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 2, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
The 2025 property tax bill for 424 Charing Cross Rd was $1,056.
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Irmo Town |
| Unified School District | Lexington School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,056.00 Homeowner's exemption | $149,800 (-) | $232,000 (-) Land $28,000 Building $204,000 |
| 2024 | $149,800 (+2,776.34%) | $232,000 (+78.19%) Land $28,000 Building $204,000 | |
| 2023 | $833.00 | $5,208 | $130,200 |
| 2021 | $1,190.00 | $5,210 | $130,200 Land $22,400 Building $107,800 |
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 424 Charing Cross Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 13, 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 |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2009 · rainfall accumulation |
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 424 Charing Cross Rd is low, with a 0.02% 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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CarolinaConnect Cooperative Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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