822 Whispering Marsh Dr, Charleston, SC 29412 Property Records

Charleston County property record for 822 Whispering Marsh Dr, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,640 sqft · built 1992
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Jul 2018)
Tax Bill	$3,876 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`454-05-00-136`

Property Details

APN / Parcel Number

Primary APN	`454-05-00-136`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,640 sqft Living Area
1st Floor Area	1,263 sqft
Upper Floors Area	1,377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	131 ft deep x 190 ft wide
Terrain	High
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	603 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	822 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 2 BLOCK C PHASE II HARBOR SECT. PART III
Legal Subdivision	STILES POINT PLANTATION
Legal Phase	2
Legal Block	C
Legal Lot Number	2
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	2
Census Block	2075
Census Tract	2007

Owner

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 Record
Mailing Address	822 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jul 11, 2018	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Aug 19, 2016 · Amount on Record
Deed Book / Page	732 / 370
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	822 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Transaction Type	Mortgage
Record Updated	Mar 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010000796
Date	Jun 9, 2021
Book Page	1000/796

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	822 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Transaction Type	Mortgage
Record Updated	Jun 23, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010940939
Date	Mar 29, 2022
Book Page	1094/939

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 11, 2018
Property Address	822 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Document Number	0732/0370
Book / Page	000732 / 000370
Instrument Date	Jun 20, 2018
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$615.00
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	822 WHISPERING MARSH DR CHARLESTON SC 294124438, CHARLESTON, SC 29412-4438

Mortgage

Document Number	732/0372
Date	Jul 11, 2018
Book Page	000732/000372

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

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	$3,876.00 (+10.24%)	$784,300 (+2,775%) Land $310,285 Building $474,015	$951,300 (+39.49%) Land $475,700 Building $475,600
2024	$3,516.00 (+6.74%)	$27,280 (-)
2022	$3,294.00	$27,280	$682,000 (-) Land $200,000 Building $482,000
2020			$682,000 Land $200,000 Building $482,000

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 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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