Charleston County property record for 428 Palm St, Mount Pleasant, SC 29464
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,779 sqft · built 1964 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Nov 2011) |
| Tax Bill | $1,595 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 517-03-00-074 |
| Primary APN | 517-03-00-074 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,779 sqft Living Area |
| 1st Floor Area | 1,154 sqft |
| Upper Floors Area | 625 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 146 ft deep x 125 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 344 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|
| Street Address | 428 PALM ST |
|---|---|
| City | MOUNT PLEASANT |
| State | SC |
| Zip | 29464-2924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -THE GROVES DESCRIPTION -LT 3 BLK N |
| Legal Subdivision | THE GROVES |
| Legal Block | N |
| Legal Lot Number | 3 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 4607 |
428 Palm St is owned and occupied by two individuals who bought it in November 2011.
Source: Charleston County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 PALM ST, MOUNT PLEASANT, SC 29464-2924 |
| 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 |
|---|---|
| Jul 7, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| Apr 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Dec 29, 2016 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2011 · Amount on File |
| Deed Sale | Nov 14, 2011 · Amount on File |
| Prior Sale | Feb 20, 2008 · Amount on File |
| Deed Book / Page | 217 / 458 |
| Prior Transfer Date | Oct 17, 2003 |
| Prior Transfer Doc | D480/0721 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 428 PALM ST, MOUNT PLEASANT, SC 29464-2924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 428 PALM ST, MOUNT PLEASANT, SC 29464-2924 |
| Document Number | 0010110050 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 1011/50 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | MOUNT PLEASANT, SC 29464 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 29, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 428 PALM ST, MOUNT PLEASANT, SC 29464-2924 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 09810070 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 981/70 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 428 PALM ST, MOUNT PLEASANT, SC 29464-2924 |
| Document Number | 0607/0981 |
| Book / Page | 000607 / 000981 |
| Instrument Date | Dec 29, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Document Number | 0607/0981 |
|---|---|
| Date | Jan 4, 2017 |
| Book Page | 000607/000981 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 3, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 428 Palm St was $1,595, up 13.4% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Mount Pleasant Town |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,595.00 (+13.36%) | $436,497 (+3,209.3%) Land $196,524 Building $239,973 | $1,123,100 Land $800,000 Building $323,100 |
| 2024 | $1,407.00 | $13,190 | |
| 2022 | $1,274.00 | $13,190 | $564,600 Land $254,200 Building $310,400 |
| 2020 | $564,600 Land $254,200 Building $310,400 |
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 428 Palm St in Zone X, an area of minimal flood risk, though there have been 16 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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 69 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 in force |
| Nearby Flood Claims | 16 (1979–2018) |
| Claims Outside the SFHA | 11 of 16 |
| Most Recent Claim | Dec 2018 · rainfall accumulation |
| 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 428 Palm St is low, with less than 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 98% of the US · lower than 99.4% of South Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | MT PLEASANT WATERWORKS serves 91,500 people · EPA ID SC1010002 |
|---|---|
| Water Source | Purchased surface water from CHARLESTON WATER SYSTEM |
| Last State Inspection | Dec 2022 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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