761 Whispering Marsh Dr, Charleston, SC 29412 Property Records

Charleston County property record for 761 Whispering Marsh Dr, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,492 sqft · built 2005
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$732,000 (Feb 2020)
Tax Bill	$4,140 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2020 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`454-05-00-147`

Property Details

APN / Parcel Number

Primary APN	`454-05-00-147`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,492 sqft Living Area
Gross Area	5,286 sqft
1st Floor Area	1,794 sqft
Upper Floors Area	1,698 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Multi-Family
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)

Exterior Amenities

Porch	Slab
Porch Area	560 sqft
Deck Area	360 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	761 WHISPERING MARSH DR
City	CHARLESTON
State	SC
Zip	29412-4436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -STILE POINT PLANTATION DESCRIPTION -LOT 55
Legal Subdivision	STILE POINT PLANTATION
Legal Lot Number	55
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	2
Census Block	2074
Census Tract	2007

Owner

Source: Charleston County records, as of October 20, 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	761 WHISPERING MARSH DR, CHARLESTON, SC 29412-4436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SC
Feb 20, 2020	Grant Deed, Transfer · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2020 · Amount on Record
Deed Sale	Feb 20, 2020 · Amount on Record
Prior Sale	Jun 17, 2016 · Amount on Record
Deed Book / Page	861 / 433
Prior Transfer Date	Aug 28, 2008
Prior Transfer Doc	0007/0753
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	761 WHISPERING MARSH DR, CHARLESTON, SC 29412-4436
Document Number	0906/0994
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	761 WHISPERING MARSH DR CHARLESTON SC 294124436, CHARLESTON, SC 29412-4436

Mortgage

Document Number	0906/0994
Date	Aug 14, 2020
Book Page	000906/000994

Lender

Name	BANK OF SC
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Feb 20, 2020
Property Address	761 WHISPERING MARSH DR, CHARLESTON, SC 29412-4436
Document Number	0861/0433
Book / Page	000861 / 000433
Instrument Date	Feb 14, 2020
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.00
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	761 WHISPERING MARSH DR CHARLESTON SC 294124436, CHARLESTON, SC 29412-4436

Mortgage

Document Number	861/0441
Date	Feb 20, 2020
Book Page	000861/000441

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 19, 2045

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	861/0439,
Date	Feb 20, 2020
Book Page	000861/000439

Lender

Name	BANK OF SC
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

Tax Assessment & Valuation

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	$4,140.00 (+10.02%)	$841,800 (+2,775%) Land $353,300 Building $488,500	$1,265,300 (+72.86%) Land $353,300 Building $912,000
2024	$3,763.00 (+6.63%)	$29,280 (-)
2022	$3,529.00	$29,280	$732,000 (-) Land $375,000 Building $357,000
2020			$732,000 Land $375,000 Building $357,000

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

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 Record 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.04% 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 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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