645 Royall Ave, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 645 Royall Ave, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,880 sqft · built 1982
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Tax Bill	$2,232 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`532-09-00-250`

Property Details

APN / Parcel Number

Primary APN	`532-09-00-250`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,880 sqft Living Area
Gross Area	1,928 sqft
1st Floor Area	1,580 sqft
Upper Floors Area	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Cottage
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	72 ft deep x 70 ft wide

Exterior Amenities

Porch	Slab
Porch Area	324 sqft
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	645 ROYALL AVE
City	MOUNT PLEASANT
State	SC
Zip	29464-5031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -LOT 7 BLK 38 KNOX
Legal Subdivision	MT PLEASANT
Legal Block	38
Legal Lot Number	7
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	1
Census Block	1024
Census Tract	4701

Owner

Source: Charleston County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	645 ROYALL AVE, MOUNT PLEASANT, SC 29464-5031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Jan 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 12, 2016
Transfer Doc	0609/0257
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	645 ROYALL AVE, MOUNT PLEASANT, SC 29464-5031
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ROYALL AVE, MOUNT PLEASANT, SC 29464-5031

Mortgage

Document Number	0010780669
Date	Feb 15, 2022
Book Page	1078/669

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Amount	Amount on Record
Term	239 Months
Due	Jan 20, 2042

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	645 ROYALL AVE, MOUNT PLEASANT, SC 29464-5031
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ROYALL AVE, MOUNT PLEASANT, SC 29464-5031

Mortgage

Document Number	0010780670
Date	Feb 15, 2022
Book Page	1078/670

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jan 10, 2017
Property Address	645 ROYALL AVE, MOUNT PLEASANT, SC 29464-5031
Document Number	0609/0257
Book / Page	000609 / 000257
Instrument Date	Sep 12, 2016
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ROYALL AVE MOUNT PLEASANT SC 294645031, MOUNT PLEASANT, SC 29464-5031

Tax Assessment & Valuation

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	$2,232.00 (+13.53%)	$617,323 (+3,070.64%) Land $387,481 Building $229,842	$1,536,700 (+97.29%) Land $593,900 Building $942,800
2024	$1,966.00 (+8.98%)	$19,470 (-)
2022	$1,804.00	$19,470	$778,900 (-) Land $488,900 Building $290,000
2020			$778,900 Land $488,900 Building $290,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 File median of 101 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	101 in force
Nearby Flood Claims	120 (1979–2017)
Claims Outside the SFHA	21 of 120
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Hugo, Sep 1989 · 88 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.4% of South Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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