Richland County property record for 461 Charing Cross Rd, Irmo, SC 29063
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,902 sqft · built 1972 |
| Lot Size | 0.468 acres (20,391 sqft) |
| Owner | Company Name on Record |
| Last Sale | $125,000 (Jan 2022) |
| Tax Bill | $4,508 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Feb 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04005-04-02 |
| Primary APN | 04005-04-02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,902 sqft Heated Area |
| Gross Area | 2,583 sqft |
| 1st Floor Area | 1,902 sqft |
| Flooring | Carpet |
| 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 |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,391 sqft (0.468 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 45 sqft |
| Patio Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00047960 |
|---|---|
| Street Address | 461 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 1 BLK E 101X140X125X125.6X21.8 #SU FRIARSGATE #PR X-1775 |
| Legal Subdivision | OLD FRIARSGATE |
| Legal Block | E |
| Legal Lot Number | 1 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | DUTCH FORK |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 10305 |
Source: Richland County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 604 VALLEYWOOD CT, COLUMBIA, SC 29212-0819 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Feb 3, 2023 | Deed of Trust, Mortgage · Commercial Mortgage LOAN FUNDER LLC |
| Feb 26, 2026 | Deed, Transfer · Commercial Mortgage BPL MORTGAGE LLC |
| Jan 10, 2022 | Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2022 · Amount on Record |
| Deed Sale | Jan 10, 2022 · Amount on Record |
| Deed Document Number | 20221320 |
| Deed Book / Page | 2705 / 1126 |
| Prior Transfer Date | Apr 28, 2010 |
| Prior Transfer Doc | 0016021395 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 461 CHARING CROSS RD, IRMO, SC 29063-2323 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1423 WILLOW OAK DR, COLUMBIA, SC 29223-7967 |
| Document Number | 0028130214 |
|---|---|
| Date | Feb 3, 2023 |
| Book Page | 2813/214 |
| Instrument | 2023004691 |
| Name | LOAN FUNDER LLC |
|---|---|
| Address | NEW YORK, NY 10022 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Feb 26, 2026 |
| Property Address | 461 CHARING CROSS RD, IRMO, SC 29063-2323 |
| Document Number | 0031023926 |
| Book / Page | 3102 / 3926 |
| Map Reference | MB X PG 1541 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 2026009136 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 VALLEYWOOD CT, COLUMBIA, SC 29212-0819 |
| Document Number | 2026009137 |
|---|---|
| Date | Feb 26, 2026 |
| Instrument | 2026009137 |
| Name | BPL MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jan 10, 2022 |
| Property Address | 461 CHARING CROSS RD, IRMO, SC 29063-2323 |
| Document Number | 0027051126 |
| Book / Page | 2705 / 1126 |
| Map Reference | MB X PG 1541 |
| Instrument Date | Jan 5, 2022 |
| Instrument | 2022001320 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 VALLEYWOOD CT, COLUMBIA, SC 29212-0819 |
| Document Number | 2022001321 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 2022001321 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,508.00 (+23.34%) | $5,004 (-96.75%) | $238,400 (-) Land $28,000 Building $210,400 |
| 2024 | $153,800 (+2,973.54%) | $238,400 (+90.57%) Land $28,000 Building $210,400 | |
| 2023 | $3,655.00 (+3.54%) | $5,004 (-33.37%) | $125,100 (-5.66%) |
| 2021 | $3,530.00 | $7,510 | $132,600 Land $22,400 Building $110,200 |
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.
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.
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 | 0.03% 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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