Charleston County property record for 645 Cloudbreak Ct, Charleston, SC 29412
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,520 sqft · built 2007 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $505,000 (Dec 2019) |
| Tax Bill | $2,851 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 343-16-00-076 |
| Primary APN | 343-16-00-076 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Upper Floors Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Terrain | High |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 472 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|
| Street Address | 645 CLOUDBREAK CT |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29412-2763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -WOODLAND ACRES DESCRIPTION -LOT 8 |
| Legal Subdivision | WOODLAND ACRES |
| Legal Lot Number | 8 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 1901 |
Source: Charleston County records, as of July 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 645 CLOUDBREAK CT, CHARLESTON, SC 29412-2763 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Dec 2, 2019 | Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2019 · Amount on Record |
| Deed Sale | Dec 2, 2019 · Amount on Record |
| Prior Sale | Sep 2, 2008 · Amount on Record |
| Deed Book / Page | 843 / 249 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jun 5, 2026 |
| Property Address | 645 CLOUDBREAK CT, CHARLESTON, SC 29412-2763 |
| Document Number | 0013940087 |
| Book / Page | 1394 / 87 |
| Instrument Date | May 22, 2026 |
| Instrument | 202635121 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 645 CLOUDBREAK CT, CHARLESTON, SC 29412-2763 |
| Document Number | 0000035121, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 1394/87 |
| Instrument | 202635121 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 22, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 645 CLOUDBREAK CT, CHARLESTON, SC 29412-2763 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0010630640 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 1063/640 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 645 CLOUDBREAK CT, CHARLESTON, SC 29412-2763 |
| Document Number | 0909/0703 |
| Instrument Date | Aug 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 CLOUDBREAK CT CHARLESTON SC 294122763, CHARLESTON, SC 29412-2763 |
| Document Number | 0909/0703 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 000909/000703 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Aug 25, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Dec 2, 2019 |
| Property Address | 645 CLOUDBREAK CT, CHARLESTON, SC 29412-2763 |
| Document Number | 0843/0249 |
| Book / Page | 000843 / 000249 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 CLOUDBREAK CT CHARLESTON SC 294122763, CHARLESTON, SC 29412-2763 |
| Document Number | 843/0250 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 000843/000250 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,851.00 (+5.28%) | ||
| 2024 | $2,708.00 (+7.42%) | $20,200 (-) | |
| 2022 | $2,521.00 | $20,200 | $505,000 (-) Land $100,000 Building $405,000 |
| 2020 | $505,000 Land $100,000 Building $405,000 |
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.
Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 301 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 301 in force |
| Nearby Flood Claims | 67 (1989–2024) |
| Claims Outside the SFHA | 10 of 67 |
| Most Recent Claim | Apr 2024 · rainfall accumulation |
| Claims by Event |
|
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 | Moderate above 59% of the US · above 77% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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 | CHARLESTON WATER SYSTEM serves 278,771 people · EPA ID SC1010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2025 |
| 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 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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