828 Whispering Marsh Dr, Charleston, SC 29412 Property Records

Charleston County property record for 828 Whispering Marsh Dr, Charleston, SC 29412

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,565 sqft · built 1992
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (May 2021)
Tax Bill	$4,762 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`454-05-00-135`

Property Details

APN / Parcel Number

Primary APN	`454-05-00-135`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,565 sqft Living Area
1st Floor Area	1,190 sqft
Upper Floors Area	1,375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	107 ft deep x 101 ft wide
Terrain	High
Garage Type	Attached
Garage Area	654 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	400 sqft
Porch	Slab
Porch Area	336 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	828 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 1 BLOCK C PHASE II HARBOR SECT. PART III
Legal Subdivision	STILES POINT PLANTATION
Legal Phase	2
Legal Block	C
Legal Lot Number	1
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	828 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed, Transfer · Conventional Mortgage AMERIS BANK
Nov 12, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Jun 6, 2017	Grant Deed, Transfer BANK OF AMERICA
Jun 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021 · Amount on Record
Deed Sale	May 12, 2021 · Amount on Record
Prior Sale	Jun 6, 2017 · Amount on Record
Deed Book / Page	989 / 603
Prior Transfer Date	May 24, 2017
Prior Transfer Doc	0643/0164
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 12, 2021
Property Address	828 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Document Number	09890603
Book / Page	989 / 603
Map Reference	MB CB PG 89
Instrument Date	May 5, 2021
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	828 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438

Mortgage

Document Number	989606
Date	May 12, 2021
Instrument	989/606

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	828 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Document Number	0839/0945
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 WHISPERING MARSH DR CHARLESTON SC 294124438, CHARLESTON, SC 29412-4438

Mortgage

Document Number	0839/0945
Date	Nov 15, 2019
Book Page	000839/000945

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 6, 2017
Property Address	828 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Document Number	0643/0162
Book / Page	000643 / 000162
Instrument Date	Jun 1, 2017
Transaction Type	Transfer
Record Updated	Aug 21, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$611.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 WHISPERING MARSH DR CHARLESTON SC 294124438, CHARLESTON, SC 29412-4438

Mortgage

Document Number	643/0163
Date	Jun 6, 2017
Book Page	000643/000163

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 6, 2017
Property Address	828 WHISPERING MARSH DR, CHARLESTON, SC 29412-4438
Document Number	0643/0164
Book / Page	000643 / 000164
Instrument Date	May 24, 2017
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	828 WHISPERING MARSH DR CHARLESTON SC 294124438, CHARLESTON, SC 29412-4438

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	$4,762.00 (+9.6%)	$977,500 (+2,775%) Land $258,750 Building $718,750	$1,038,700 (+28.23%) Land $309,200 Building $729,500
2024	$4,345.00 (-66.4%)	$34,000 (-30.04%)
2022	$12,932.00	$48,600	$810,000 (-4.71%) Land $225,000 Building $585,000
2020			$850,000 Land $225,000 Building $625,000

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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