745 Shell Sand Rd, Charleston, SC 29412 Property Records

Charleston County property record for 745 Shell Sand Rd, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,934 sqft · built 1996
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Apr 2022)
Tax Bill	$3,094 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`426-11-00-187`

Property Details

APN / Parcel Number

Primary APN	`426-11-00-187`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,934 sqft Living Area
1st Floor Area	788 sqft
Upper Floors Area	1,146 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Terrain	High
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	745 SHELL SAND RD
City	CHARLESTON
State	SC
Zip	29412-4347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -HARBOR OAKS DESCRIPTION -LOT 19
Legal Subdivision	HARBOR OAKS
Legal Lot Number	19
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	2
Census Block	2005
Census Tract	2007

Owner

745 Shell Sand Rd is owned and occupied by an individual who acquired it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	745 SHELL SAND RD, CHARLESTON, SC 29412-4347
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 24, 2021	Deed of Trust, Mortgage · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 9, 2020	Grant Deed, Transfer · VA Mortgage BENCHMARK MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on File
Deed Sale	Apr 28, 2022 · Amount on File
Prior Sale	Apr 9, 2020 · Amount on File
Deed Book / Page	1104 / 782
Last Transfer Date	Apr 15, 2025
Transfer Doc	0013070697
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 28, 2022
Property Address	745 SHELL SAND RD, CHARLESTON, SC 29412-4347
Document Number	0011040782
Book / Page	1104 / 782
Map Reference	MB EA PG 894
Instrument Date	Apr 25, 2022
Transaction Type	Transfer
Record Updated	Jul 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,495.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 SHELL SAND RD, CHARLESTON, SC 29412-4347

Mortgage

Document Number	0001104785
Date	Apr 28, 2022
Instrument	1104/785

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	745 SHELL SAND RD, CHARLESTON, SC 29412-4347
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09740495
Date	Mar 24, 2021
Book Page	974/495

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 9, 2020
Property Address	745 SHELL SAND RD, CHARLESTON, SC 29412-4347
Document Number	0873/0085
Book / Page	000873 / 000085
Instrument Date	Mar 30, 2020
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	745 SHELL SAND RD CHARLESTON SC 294124347, CHARLESTON, SC 29412-4347

Mortgage

Document Number	873/0088
Date	Apr 9, 2020
Book Page	000873/000088

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 745 Shell Sand Rd was $3,094, up 3.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,094.00 (+3.55%)	$613,400 (+2,566.96%) Land $195,000 Building $418,400	$613,400 Land $195,000 Building $418,400
2024	$2,988.00	$23,000
2022	$1,996.00	$16,200	$405,000 Land $175,000 Building $230,000
2020			$575,000 Land $250,000 Building $325,000

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.

Flood

FEMA maps place 745 Shell Sand Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 619 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	624 units insured incl. 5 condo units
Nearby Flood Claims	189 (1987–2023)
Claims Outside the SFHA	5 of 189
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 10 claims Severe Storms And Flooding, Oct 2015 · 9 claims Hurricane Hugo, Sep 1989 · 146 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

Wildfire risk around 745 Shell Sand Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 98.2% of South Carolina
Wildfire Likelihood	0.02% 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	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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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