Berkeley County property record for 461 Spectrum Rd, Summerville, SC 29486
| Property Type | Single Family Home |
|---|---|
| Details | 3,714 sqft · built 2018 |
| Lot Size | 0.187 acres (8,186 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Aug 2026) |
| Tax Bill | $2,001 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage May 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 195-05-03-008 |
| Primary APN | 195-05-03-008 |
|---|---|
| Alternative APN |
|
| Building Area | 3,714 sqft Finished Area |
|---|---|
| 1st Floor Area | 1,692 sqft |
| 2nd Floor Area | 2,022 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,186 sqft (0.187 acres) |
| Garage Area | 501 sqft |
| Porch | Patio |
| Porch Area | 384 sqft |
| Street Address | 461 SPECTRUM RD |
|---|---|
| City | SUMMERVILLE |
| State | SC |
| Zip | 29486-0904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BERKELEY C |
| Legal Description | LOT 266MAGNOLIA @ CANE BAY PH 6 |
| Legal Subdivision | CANE BAY (MAGNOLIA) |
| Legal Lot Number | 266 |
| Jurisdiction | BERKELEY SC |
| Township / Civil Division | GOOSE CREEK-HANAHAN |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 20711 |
461 Spectrum Rd is owned and occupied by two individuals who bought it in August 2026.
Source: Berkeley County records, as of August 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 461 SPECTRUM RD, SUMMERVILLE, SC 29486-0904 |
| 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 |
|---|---|
| Aug 10, 2026 | Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| May 9, 2024 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 12, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 15, 2018 | Grant Deed, Subdivision Related Transfer · VA Mortgage PRIMELENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2026 · Amount on File |
| Deed Sale | Aug 10, 2026 · Amount on File |
| Prior Sale | Oct 15, 2018 · Amount on File |
| Deed Document Number | 202628800 |
| Deed Book / Page | 5673 / 578 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY SC |
| Recording Date | Aug 10, 2026 |
| Property Address | 461 SPECTRUM RD, SUMMERVILLE, SC 29486-0904 |
| Document Number | 0000028800 |
| Book / Page | 5673 / 578 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202628800 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $186,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 SPECTRUM RD, SUMMERVILLE, SC 29486-0904 |
| Document Number | 0000028801, |
|---|---|
| Date | Aug 10, 2026 |
| Book Page | 5673/583 |
| Instrument | 202628801 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 461 SPECTRUM RD, SUMMERVILLE, SC 29486-0904 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 04855/0111 |
|---|---|
| Date | May 9, 2024 |
| Book Page | 4855/111 |
| Instrument | 2024013953 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 461 SPECTRUM RD, SUMMERVILLE, SC 29486-0904 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 03649/0280 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 3649/280 |
| Instrument | 2021001541 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Dec 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERKELEY SC |
| Recording Date | Oct 15, 2018 |
| Property Address | 461 SPECTRUM RD, SUMMERVILLE, SC 29486-0904 |
| Document Number | 2867/0841 |
| Book / Page | 002867 / 000841 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 35587 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 31, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $438.72 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 SPECTRUM RD SUMMERVILLE SC 294860904, SUMMERVILLE, SC 29486-0904 |
| Document Number | 2867/0849 |
|---|---|
| Date | Oct 15, 2018 |
| Book Page | 002867/000849 |
| Instrument | 35588 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 14, 2048 |
The 2025 property tax bill for 461 Spectrum Rd was $2,001 with a homeowner's exemption, up 3.6% from the year before.
Source: Berkeley County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Berkeley County |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $463,220 (+2,400.11%) Land $73,387 Building $389,833 | $710,100 (-) Land $112,500 Building $597,600 | |
| 2025 | $2,001.00 (+3.63%) | $18,528 (-) Land $2,935 Building $15,593 | $710,100 (-) Land $112,500 Building $597,600 |
| 2024 | $1,931.00 Homeowner's exemption | $18,528 Land $2,935 Building $15,593 | $710,100 Land $112,500 Building $597,600 |
| 2022 | $1,935.00 Homeowner's exemption | $16,112 Land $2,600 Building $13,512 | $402,800 Land $65,000 Building $337,800 |
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.
FEMA maps place 461 Spectrum Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective June 18, 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 277 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 277 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
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 461 Spectrum Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | BCWSA SANGAREE W/D (0820002) serves 95,345 people · EPA ID SC0820002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 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 310 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Home Telecom Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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