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445 Planters Trace Dr, Charleston, SC 29412 Property Records

Charleston County property record for 445 Planters Trace Dr, Charleston, SC 29412

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,386 sqft · built 2001
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on File
Last Sale$311,500 (May 2020)
Tax Bill$1,924 (2025)
Deeds & MortgagesJul 2026 Line of Credit
May 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN427-06-00-178

Property Details

APN / Parcel Number

Primary APN427-06-00-178

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,386 sqft Living Area
1st Floor Area1,386 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialVinyl
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialAsphalt
Lot Area6,534 sqft (0.15 acres)
TerrainHigh
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area30 sqft
Deck Area28 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Heating SystemHeat Pump

Location & Zoning

Street Address445 PLANTERS TRACE DR
CityCHARLESTON
StateSC
Zip29412-8306
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUBDIVISION NAME -PLANTERS TRACE PLATATION DESCRIPTION -LOT 12 PHASE 2
Legal SubdivisionPLANTERS TRACE PLATATION
Legal Phase2
Legal Lot Number12
JurisdictionCHARLESTON SC
Township / Civil DivisionJAMES ISLAND
Census Block Group3
Census Block3033
Census Tract2005

Owner

445 Planters Trace Dr is owned and occupied by two individuals who acquired it in July 2026.

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

Owner of Record2 Individual Names on File
Mailing Address445 PLANTERS TRACE DR, CHARLESTON, SC 29412-8306
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 20, 2026Quit Claim Deed, Transfer · Line of Credit
BAY BANK TRUST COMPANY
May 11, 2020Grant Deed, Transfer · Conventional Mortgage
MOVEMENT MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 11, 2020 · Amount on File
Deed SaleMay 11, 2020 · Amount on File
Prior SaleApr 9, 2001 · Amount on File
Deed Book / Page881 / 154
Last Transfer DateJul 7, 2026
Transfer Doc0000045381
Record UpdatedOct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCHARLESTON SC
Recording DateJul 20, 2026
Property Address445 PLANTERS TRACE DR, CHARLESTON, SC 29412-8306
Document Number0000045381
Book / Page1404 / 7
Instrument DateJul 7, 2026
Instrument202645381
Transaction TypeTransfer
Record UpdatedAug 4, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 PLANTERS TRACE DR, CHARLESTON, SC 29412-8306

Mortgage

Document Number0000045382,
DateJul 20, 2026
Book Page1404/8
Instrument202645382
Lender
NameBAY BANK TRUST COMPANY
Agreement
TypeLine of Credit
AmountAmount on Record
Term300 Months
DueJul 7, 2051
Interest
Rate TypeAdjustable Rate
Rate6.48%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

May 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLESTON SC
Recording DateMay 11, 2020
Property Address445 PLANTERS TRACE DR, CHARLESTON, SC 29412-8306
Document Number0881/0154
Book / Page000881 / 000154
Instrument DateApr 30, 2020
Transaction TypeTransfer
Record UpdatedJun 9, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$312.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 PLANTERS TRACE DR CHARLESTON SC 294128306, CHARLESTON, SC 29412-8306

Mortgage

Document Number881/0155
DateMay 11, 2020
Book Page000881/000155
Lender
NameMOVEMENT MTG
TypeMortgage Company
AddressINDIAN LAND, SC 29707
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 445 Planters Trace Dr was $1,924, up 14% from the year before.

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

Property Jurisdictions

TypeName
StateSouth Carolina
CountyCharleston County
MunicipalityCharleston City
Unified School DistrictCharleston County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,924.00 (+14.05%)$358,225 (+2,775%) Land $172,155 Building $186,070$499,800 Land $275,000 Building $224,800
2024$1,687.00$12,460
2022$1,558.00$12,460$311,500 Land $149,700 Building $161,800
2020$311,500 Land $149,700 Building $161,800

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.

Flood

FEMA maps place 445 Planters Trace Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 696 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies706 units insured
incl. 10 condo units
Nearby Flood Claims112 (1979–2024)
Claims Outside the SFHA8 of 112
Most Recent ClaimMar 2024 · other causes
Claims by Event
  • Hurricane Irma, Sep 2017 · 24 claims
  • Severe Storms And Flooding, Oct 2015 · 11 claims
  • Hurricane Hugo, Sep 1989 · 60 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

Wildfire risk around 445 Planters Trace Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 SystemCHARLESTON WATER SYSTEM
serves 278,771 people · EPA ID SC1010001
Water SourceSurface water
Last State InspectionFeb 2024
Lead4 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and ReportingNone
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 420 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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