644 Harbour Ln, Saint Stephen, SC 29479 Property Records

Berkeley County property record for 644 Harbour Ln, Saint Stephen, SC 29479 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1,680 sqft · built 2013
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$36,941 (Jun 2005)
Tax Bill	$2,070 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035-00-03-085`

Property Details

APN / Parcel Number

Primary APN	`035-00-03-085`
Alternative APN	`035-00-03-033`

Interior

Stories	1 Story
Building Area	1,680 sqft Finished Area
Gross Area	2,000 sqft
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	87,120 sqft (2 acres)
Porch	Slab
Porch Area	320 sqft

Location & Zoning

Street Address	644 HARBOUR LN
City	SAINT STEPHEN
State	SC
Zip	29479-3051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RUSSELLVLE/41 SEC/HARRISTOWN/WEST OF
Jurisdiction	BERKELEY SC
Township / Civil Division	BONNEAU
Census Block Group	1
Census Block	1003
Census Tract	20303

Owner

Source: Berkeley County records · APN 035-00-03-085

Assessment roll updated June 2, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	1224 SAINT JOHNS AVE, MONCKS CORNER, SC 29461-9265
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Jan 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2018	Deed of Trust, Mortgage · VA Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 02, 2005 · Amount on Record
Deed Sale	Jun 02, 2005 · Amount on Record
Prior Sale	Nov 25, 2002 · Amount on Record
Deed Document Number	200517759
Deed Book / Page	4742 / 34
Last Transfer Date	Jun 13, 2006
Transfer Doc	05697/0112
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	644 HARBOUR LN, SAINT STEPHEN, SC 29479-3051
Transaction Type	Mortgage
Record Updated	Jan 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04097/0897
Date	Dec 29, 2021
Book Page	4097/897
Instrument	2021060468

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	644 HARBOUR LN, SAINT STEPHEN, SC 29479-3051
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3647/0334
Date	Jan 11, 2021
Book Page	3647/334
Instrument	2021001259

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY SC
Property Address	644 HARBOUR LN, SAINT STEPHEN, SC 29479-3051
Document Number	2898/0926
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Dec 06, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 HARBOUR LN ST STEPHEN SC 294793051, ST STEPHEN, SC 29479-3051

Mortgage

Document Number	2898/0926
Date	Nov 28, 2018
Book Page	002898/000926
Instrument	40532

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	JACKSONVILLE, FL 32256

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

Tax Assessment & Valuation

Source: Berkeley County records · Assessment roll updated June 2, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Berkeley County
Unified School District	Berkeley County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$127,886 (+1,566.7%) Land $42,648 Building $85,238	$215,900 (-) Land $72,000 Building $143,900
2025	$2,070.00 (+1.77%)	$7,673 (-) Land $2,559 Building $5,114	$215,900 (-) Land $72,000 Building $143,900
2024	$2,034.00 (+743.98%)	$7,673 (+72.5%) Land $2,559 Building $5,114	$215,900 (+90.72%) Land $72,000 Building $143,900
2022	$241.00 Additional exemption filed	$4,448 Land $1,041 Building $3,407	$113,200 Land $26,500 Building $86,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berkeley County (45015C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450150203031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	High above 72% of the US · above 92% of South Carolina
Wildfire Likelihood	About 1 in 347 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TDS Telecom	DSL	10 / 1
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Home Telephone Company, Inc. (SC). Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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