812 Whispering Marsh Dr, Charleston, SC 29412 Property Records

Charleston County property record for 812 Whispering Marsh Dr, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,893 sqft · built 1993
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$362,000 (Feb 2010)
Tax Bill	$2,634 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`454-05-00-138`

Property Details

APN / Parcel Number

Primary APN	`454-05-00-138`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,893 sqft Living Area
Gross Area	2,971 sqft
1st Floor Area	2,493 sqft
Upper Floors Area	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	138 ft deep x 104 ft wide
Terrain	High
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	167 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	812 WHISPERING MARSH DR
City	CHARLESTON
State	SC
Zip	29412-4438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -STILES POINT PLANTATION DESCRIPTION -LOT 4 BLOCK C PHASE II HARBOR SECT. PART III
Legal Subdivision	STILES POINT PLANTATION
Legal Phase	2
Legal Block	C
Legal Lot Number	4
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	2
Census Block	2075
Census Tract	2007

Owner

812 Whispering Marsh Dr is owned and occupied by two individuals who bought it in February 2010.

Source: Charleston County records, as of September 23, 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 File
Mailing Address	812 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BK NA
May 14, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2010 · Amount on File
Deed Sale	Feb 19, 2010 · Amount on File
Prior Sale	Jul 2, 1999 · Amount on File
Deed Book / Page	108 / 191
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	812 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Document Number	0939/0175
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	812 WHISPERING MARSH DR CHARLESTON SC 294124438, CHARLESTON, SC 29412-4438

Mortgage

Document Number	0939/0175
Date	Nov 30, 2020
Book Page	000939/000175

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	812 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Document Number	0884/0957
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	812 WHISPERING MARSH DR CHARLESTON SC 294124438, CHARLESTON, SC 29412-4438

Mortgage

Document Number	0884/0957
Date	May 22, 2020
Book Page	000884/000957

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 812 Whispering Marsh Dr was $2,634, up 13.5% 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	$2,634.00 (+13.53%)	$563,252 (+3,102.11%) Land $207,340 Building $355,912	$790,000 Land $351,100 Building $438,900
2024	$2,320.00	$17,590
2022	$2,159.00	$17,590	$562,600 Land $207,100 Building $355,500
2020			$562,600 Land $207,100 Building $355,500

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 812 Whispering Marsh Dr 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 812 Whispering Marsh Dr 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 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.02% 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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