778 Shell Sand Rd, Charleston, SC 29412 Property Records

Charleston County property record for 778 Shell Sand Rd, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,542 sqft · built 1996
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$382,000 (Jan 2020)
Tax Bill	$2,066 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Jun 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`426-11-00-200`

Property Details

APN / Parcel Number

Primary APN	`426-11-00-200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,542 sqft Living Area
1st Floor Area	726 sqft
Upper Floors Area	816 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	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	174 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	778 SHELL SAND RD
City	CHARLESTON
State	SC
Zip	29412-4346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -HARBOR OAKS DESCRIPTION -LOT 6
Legal Subdivision	HARBOR OAKS
Legal Lot Number	6
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	2
Census Block	2005
Census Tract	2007

Owner

Source: Charleston County records, as of September 23, 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	136 RIVER BREEZE DR, CHARLESTON, SC 29407-5661
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Grant Deed, Transfer · VA Mortgage PRIME LNDG
Jun 21, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2020 · Amount on Record
Deed Sale	Jan 15, 2020 · Amount on Record
Prior Sale	Mar 7, 2017 · Amount on Record
Deed Book / Page	853 / 201
Record Updated	Oct 29, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jan 15, 2020
Property Address	778 SHELL SAND RD, CHARLESTON, SC 29412-4346
Document Number	0853/0201
Book / Page	000853 / 000201
Instrument Date	Dec 23, 2019
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$382.00
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	778 SHELL SAND RD CHARLESTON SC 294124346, CHARLESTON, SC 29412-4346

Mortgage

Document Number	853/0202
Date	Jan 15, 2020
Book Page	000853/000202

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	778 SHELL SAND RD, CHARLESTON, SC 29412-4346
Document Number	0732/0097
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Aug 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	778 SHELL SAND RD CHARLESTON SC 294124346, CHARLESTON, SC 29412-4346

Mortgage

Document Number	0732/0097
Date	Jul 10, 2018
Book Page	000732/000097

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 9, 2043

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	Charleston City
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,066.00 (+1.52%)	$439,300 (+2,775%) Land $193,200 Building $246,100	$553,200 (+44.82%) Land $195,000 Building $358,200
2024	$2,035.00 (+7.73%)	$15,280 (-)
2022	$1,889.00	$15,280	$382,000 (-) Land $168,000 Building $214,000
2020			$382,000 Land $168,000 Building $214,000

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 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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