787 Shell Sand Rd, Charleston, SC 29412 Property Records

Charleston County property record for 787 Shell Sand Rd, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 1996
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (May 2015)
Tax Bill	$6,406 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`426-11-00-179`

Property Details

APN / Parcel Number

Primary APN	`426-11-00-179`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,800 sqft Living Area
1st Floor Area	994 sqft
Upper Floors Area	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Multi-Family
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	198 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	787 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 27
Legal Subdivision	HARBOR OAKS
Legal Lot Number	27
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 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	Individual Name on Record
Mailing Address	787 SHELL SAND RD, CHARLESTON, SC 29412-4347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MTG LN
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2015 · Amount on Record
Deed Sale	May 29, 2015 · Amount on Record
Prior Sale	Jul 27, 2011 · Amount on Record
Deed Book / Page	479 / 235
Prior Transfer Date	Aug 31, 2011
Prior Transfer Doc	02050996
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	787 SHELL SAND RD, CHARLESTON, SC 29412-4347
Document Number	0939/0967
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SHELL SAND RD CHARLESTON SC 294124347, CHARLESTON, SC 29412-4347

Mortgage

Document Number	0939/0967
Date	Dec 2, 2020
Book Page	000939/000967

Lender

Name	DIRECT MTG LN
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	787 SHELL SAND RD, CHARLESTON, SC 29412-4347
Document Number	0656/0325
Book / Page	000656 / 000325
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SHELL SAND RD CHARLESTON SC 294124347, CHARLESTON, SC 29412-4347

Mortgage

Document Number	0656/0325
Date	Aug 1, 2017
Book Page	000656/000325

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 31, 2042

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	$6,406.00 (+11.84%)	$376,913 (+1,816.18%) Land $156,943 Building $219,970	$572,700 (+72.55%) Land $195,000 Building $377,700
2024	$5,728.00 (+250.55%)	$19,670 (+50.04%)
2022	$1,634.00	$13,110	$331,900 (-) Land $138,200 Building $193,700
2020			$331,900 Land $138,200 Building $193,700

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 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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