686 Jane Cir, Charleston, SC 29412 Property Records

Charleston County property record for 686 Jane Cir, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,760 sqft · built 1980
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Sep 2010)
Tax Bill	$2,131 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`454-01-00-123`

Property Details

APN / Parcel Number

Primary APN	`454-01-00-123`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,760 sqft Living Area
1st Floor Area	806 sqft
Upper Floors Area	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Multi-Family
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	108 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	469 sqft
Deck Area	294 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	686 JANE CIR
City	CHARLESTON
State	SC
Zip	29412-4519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -CLEARVIEW DESCRIPTION -LT 11 BLK W
Legal Subdivision	CLEARVIEW
Legal Block	W
Legal Lot Number	11
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	1
Census Block	1027
Census Tract	2007

Owner

Source: Charleston County records, as of October 20, 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	686 JANE CIR, CHARLESTON, SC 29412-4519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK NA
Feb 7, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
May 21, 2018	Deed of Trust, Mortgage · Line of Credit SOUTH ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2010 · Amount on Record
Deed Sale	Sep 15, 2010 · Amount on Record
Deed Book / Page	144 / 14
Last Transfer Date	Jan 25, 2023
Transfer Doc	0011620573
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	686 JANE CIR, CHARLESTON, SC 29412-4519
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 JANE CIR, CHARLESTON, SC 29412-4519

Mortgage

Document Number	0013520388
Date	Nov 24, 2025
Book Page	1352/388

Lender

Name	SOUTHSTATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLESTON SC
Recording Date	Feb 7, 2023
Property Address	686 JANE CIR, CHARLESTON, SC 29412-4519
Document Number	0011620573
Book / Page	1162 / 573
Map Reference	MB V PG 177
Instrument Date	Jan 25, 2023
Transaction Type	Transfer
Record Updated	May 15, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 JANE CIR, CHARLESTON, SC 29412-4519

Mortgage

Document Number	0001162574
Date	Feb 7, 2023
Instrument	1162/574

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	686 JANE CIR, CHARLESTON, SC 29412-4519
Document Number	0723/0581
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 JANE CIR CHARLESTON SC 294124519, CHARLESTON, SC 29412-4519

Mortgage

Document Number	0723/0581
Date	Jun 5, 2018
Book Page	000723/000581

Lender

Name	SOUTH ST BK
Type	Bank
Address	COLUMBIA, SC 29202-3113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 4, 2028

Interest

Rate Type	Adjustable Rate

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	$2,131.00 (+20.19%)	$427,168 (+2,776.55%) Land $141,856 Building $285,312	$728,300 (+43.62%) Land $311,200 Building $417,100
2024	$1,773.00 (+9.85%)	$14,850 (-)
2022	$1,614.00	$14,850	$507,100 (-) Land $168,400 Building $338,700
2020			$507,100 Land $168,400 Building $338,700

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 217 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	217 in force
Nearby Flood Claims	150 (1978–2024)
Claims Outside the SFHA	16 of 150
Most Recent Claim	Mar 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 11 claims Severe Storms And Flooding, Oct 2015 · 13 claims Hurricane Hugo, Sep 1989 · 100 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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