521 Commonwealth Rd, Mount Pleasant, SC 29466 Property Records

Charleston County property record for 521 Commonwealth Rd, Mount Pleasant, SC 29466

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,702 sqft · built 1994
Lot Size	1.34 acres (58,370 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Jun 2022)
Tax Bill	$3,148 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2024 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`596-12-00-016`

Property Details

APN / Parcel Number

Primary APN	`596-12-00-016`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,702 sqft Living Area
Gross Area	4,280 sqft
1st Floor Area	1,578 sqft
Upper Floors Area	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Multi-Family
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	58,370 sqft (1.34 acres)
Lot Dimensions	330 ft deep x 210 ft wide
Terrain	High

Exterior Amenities

Porch	Slab
Porch Area	404 sqft
Deck Area	100 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	521 COMMONWEALTH RD
City	MOUNT PLEASANT
State	SC
Zip	29466-8313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -COMMONWEALTH II DESCRIPTION -LOT 14
Legal Subdivision	COMMONWEALTH II
Legal Lot Number	14
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	1
Census Block	1047
Census Tract	4617

Owner

521 Commonwealth Rd is owned and occupied by two individuals who bought it in June 2022.

Source: Charleston County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	521 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8313
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.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit BEACON COMMUNITY BANK
Jun 23, 2022	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2022 · Amount on File
Deed Sale	Jun 23, 2022 · Amount on File
Deed Book / Page	1118 / 782
Prior Transfer Date	May 21, 2014
Prior Transfer Doc	0410/0121
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	May 6, 2026
Property Address	521 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8313
Document Number	1387000329
Book / Page	1387 / 329
Instrument Date	Apr 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8313

Mortgage

Document Number	1387000329,
Date	May 6, 2026
Book Page	1387/329

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	521 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8313
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8313

Mortgage

Document Number	0012250891
Date	Jan 30, 2024
Book Page	1225/891

Lender

Name	BEACON COMMUNITY BANK
Type	Bank
Address	CHARLESTON, SC 29403

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 29, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 23, 2022
Property Address	521 COMMONWEALTH RD, MOUNT PLEASANT, SC 29466-8313
Document Number	0011180782
Book / Page	1118 / 782
Map Reference	MB BO PG 117
Instrument Date	Jun 21, 2022
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,755.00
Amount Accuracy	Verified / From Affidavit
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	521 COMMONWEALTH RD, MT PLEASANT, SC 29466-8313

Mortgage

Document Number	0001118783
Date	Jun 23, 2022
Instrument	1118/783

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 521 Commonwealth Rd was $3,148, up 19.3% from the year before.

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	$3,148.00 (+19.33%)	$826,992 (+2,962.93%) Land $419,692 Building $407,300	$884,942 Land $427,642 Building $457,300
2024	$2,638.00	$27,000
2022	$5,769.00	$24,680	$525,000 Land $190,200 Building $334,800
2020			$675,000 Land $365,000 Building $310,000

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

FEMA maps place 521 Commonwealth Rd 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 359 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	359 in force
Nearby Flood Claims	7 (1994–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Severe Storms And Flooding, Oct 2015 · 3 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 521 Commonwealth Rd is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 48% of South Carolina
Wildfire Likelihood	0.08% 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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