649 Harbor View Rd, Charleston, SC 29412 Property Records

Charleston County property record for 649 Harbor View Rd, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 1966
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Oct 2021)
Tax Bill	$2,366 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`454-10-00-038`

Property Details

APN / Parcel Number

Primary APN	`454-10-00-038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,081 sqft Living Area
1st Floor Area	2,081 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	649 HARBOR VIEW RD
City	CHARLESTON
State	SC
Zip	29412-5002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -CLEARVIEW DESCRIPTION -LT 15 BLK C THIRD PORTION
Legal Subdivision	CLEARVIEW
Legal Block	C
Legal Lot Number	15
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	3
Census Block	3002
Census Tract	2006

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	2 Individual Names on Record
Mailing Address	649 HARBOR VIEW RD, CHARLESTON, SC 29412-5002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 27, 2020	Grant Deed, Transfer · Conventional with PMI CRESCOM BK
Jul 27, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Jul 27, 2020 · Amount on Record
Prior Transfer Date	Jul 21, 2020
Prior Transfer Doc	0899/0755
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Oct 26, 2021
Property Address	649 HARBOR VIEW RD, CHARLESTON, SC 29412-5002
Document Number	0010460476
Book / Page	1046 / 476
Map Reference	MB P PG 2
Instrument Date	Aug 24, 2021
Transaction Type	Transfer
Record Updated	Jan 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	649 HARBOR VIEW RD, CHARLESTON, SC 29412-5002

Mortgage

Document Number	0001046477
Date	Oct 26, 2021
Instrument	1046/477

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 27, 2020
Property Address	649 HARBOR VIEW RD, CHARLESTON, SC 29412-5002
Document Number	0899/0756
Book / Page	000899 / 000756
Instrument Date	Jul 21, 2020
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Confirmed
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	649 HARBOR VIEW RD CHARLESTON SC 294125002, CHARLESTON, SC 29412-5002

Mortgage

Document Number	899/0757
Date	Jul 27, 2020
Book Page	000899/000757

Lender

Name	CRESCOM BK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 27, 2020
Property Address	649 HARBOR VIEW RD, CHARLESTON, SC 29412-5002
Document Number	0899/0755
Book / Page	000899 / 000755
Instrument Date	Jul 21, 2020
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	649 HARBOR VIEW RD CHARLESTON SC 294125002, CHARLESTON, SC 29412-5002

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	James Island Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,366.00 (+22.08%)	$529,000 (+3,125.61%) Land $182,700 Building $346,300	$606,200 (+31.78%) Land $182,700 Building $423,500
2024	$1,938.00 (-1.37%)	$16,400 (-10.87%)
2022	$1,965.00	$18,400	$460,000 (-) Land $175,100 Building $284,900
2020			$460,000 Land $175,100 Building $284,900

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

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 minimal risk
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 269 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	281 units insured incl. 12 condo units
Nearby Flood Claims	95 (1989–2024)
Claims Outside the SFHA	41 of 95
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Severe Storms And Flooding, Oct 2015 · 28 claims Hurricane Hugo, Sep 1989 · 47 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	Moderate above 46% of the US · above 42% of South Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor View Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures