425 Charing Cross Rd, Irmo, SC 29063 Property Records

Richland County property record for 425 Charing Cross Rd, Irmo, SC 29063

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,300 sqft · built 1974
Lot Size	0.334 acres (14,557 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,338 (2025)
Deeds & Mortgages	May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04005-04-08`

Property Details

APN / Parcel Number

Primary APN	`04005-04-08`
Alternative APNs	`R04005-04-08` `00048022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,300 sqft Heated Area
Gross Area	3,280 sqft
1st Floor Area	1,640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Raised Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,557 sqft (0.334 acres)
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	124 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00048022
Street Address	425 CHARING CROSS RD
City	IRMO
State	SC
Zip	29063-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 7 BLK E 100X140X 100X140 #SU FRIARSGATE #PR X-1775 & 1775A
Legal Subdivision	OLD FRIARSGATE
Legal Block	E
Legal Lot Number	7
Jurisdiction	RICHLAND SC
Township / Civil Division	DUTCH FORK
Census Block Group	1
Census Block	1026
Census Tract	10305

Owner

425 Charing Cross Rd is owned and occupied by two individuals.

Source: Richland County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	425 CHARING CROSS RD, IRMO, SC 29063-2323
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	425 CHARING CROSS RD, IRMO, SC 29063-2323
Document Number	2213/0982
Instrument Date	May 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CHARING CROSS RD IRMO SC 290632323, IRMO, SC 29063-2323

Mortgage

Document Number	2213/0982
Date	May 24, 2017
Book Page	002213/000982
Instrument	38330

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 23, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 425 Charing Cross Rd was $1,338.

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Irmo Town
Unified School District	Lexington School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,338.00 Homeowner's exemption	$177,600	$274,400 Land $28,000 Building $246,400
2023		$6,176	$154,400
2022	$1,988.00 (+96.06%)
2021	$1,014.00	$6,180	$164,000 Land $22,400 Building $141,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 425 Charing Cross Rd in Zone X, an area of minimal flood risk, within 100 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 100 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

Wildfire risk around 425 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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