432 Springfield Rd, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 432 Springfield Rd, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,883 sqft · built 1989
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jul 2017)
Tax Bill	$2,057 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`556-12-00-038`

Property Details

APN / Parcel Number

Primary APN	`556-12-00-038`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,883 sqft Living Area
1st Floor Area	990 sqft
Upper Floors Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	110 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	198 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	432 SPRINGFIELD RD
City	MOUNT PLEASANT
State	SC
Zip	29464-6225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -LONGPOINT DESCRIPTION -LOT 85 TRACT 8
Legal Subdivision	LONGPOINT
Legal Tract	8
Legal Lot Number	85
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	1
Census Block	1040
Census Tract	4614

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	432 SPRINGFIELD RD, MOUNT PLEASANT, SC 29464-6225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 22, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRST CMNTY BK
Jul 11, 2017	Grant Deed, Transfer · Conventional with PMI GROW FIN'L FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Jun 30, 2005 · Amount on Record
Deed Book / Page	651 / 279
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	432 SPRINGFIELD RD, MOUNT PLEASANT, SC 29464-6225
Transaction Type	Mortgage
Record Updated	Jun 21, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011750784
Date	Apr 25, 2023
Book Page	1175/784

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	432 SPRINGFIELD RD, MOUNT PLEASANT, SC 29464-6225
Document Number	0843/0161
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 SPRINGFIELD RD MOUNT PLEASANT SC 294646225, MOUNT PLEASANT, SC 29464-6225

Mortgage

Document Number	0843/0161
Date	Nov 27, 2019
Book Page	000843/000161

Lender

Name	FIRST CMNTY BK
Type	Bank
Address	LEXINGTON, SC 29072

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 11, 2017
Property Address	432 SPRINGFIELD RD, MOUNT PLEASANT, SC 29464-6225
Document Number	0651/0279
Book / Page	000651 / 000279
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 SPRINGFIELD RD MOUNT PLEASANT SC 294646225, MOUNT PLEASANT, SC 29464-6225

Mortgage

Document Number	651/0280
Date	Jul 11, 2017
Book Page	000651/000280

Lender

Name	GROW FIN'L FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,057.00 (+12.04%)	$517,500 (+2,775%) Land $115,000 Building $402,500	$650,000 (+44.44%) Land $200,000 Building $450,000
2024	$1,836.00 (+9.29%)	$18,000 (-)
2022	$1,680.00	$18,000	$450,000 (-) Land $100,000 Building $350,000
2020			$450,000 Land $100,000 Building $350,000

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.

Flood

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 Record median of 259 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 in force
Nearby Flood Claims	27 (1985–2025)
Claims Outside the SFHA	6 of 27
Most Recent Claim	Aug 2025 · other causes
Claims by Event	Severe Storms And Flooding, Oct 2015 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims Hurricane Hugo, Sep 1989 · 14 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 67% of South Carolina
Wildfire Likelihood	0.06% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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