976 Provincial Cir, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 976 Provincial Cir, Mount Pleasant, SC 29464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,400 sqft · built 1992
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Apr 2007)
Tax Bill	$1,349 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`517-02-00-080`

Property Details

APN / Parcel Number

Primary APN	`517-02-00-080`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	138 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	230 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	976 PROVINCIAL CIR
City	MOUNT PLEASANT
State	SC
Zip	29464-3492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -PATRIOT'S PROVINCE DESCRIPTION -LOT 16
Legal Subdivision	PATRIOT'S PROVINCE
Legal Lot Number	16
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	2
Census Block	2011
Census Tract	4607

Owner

976 Provincial Cir is owned and occupied by two individuals who acquired it in July 2007.

Source: Charleston County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	976 PROVINCIAL CIR, MOUNT PLEASANT, SC 29464-3492
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2007 · Amount on File
Deed Sale	Apr 23, 2007 · Amount on File
Deed Book / Page	622 / 334
Last Transfer Date	Jul 24, 2007
Transfer Doc	J634/0733
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	976 PROVINCIAL CIR, MOUNT PLEASANT, SC 29464-3492
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 PROVINCIAL CIR, MOUNT PLEASANT, SC 29464-3492

Mortgage

Document Number	0010760415
Date	Feb 8, 2022
Book Page	1076/415

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	798 Months
Due	Aug 6, 2088

Interest

Rate Type	Adjustable Rate
Rate	1.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	6.99%

Tax Assessment & Valuation

The 2025 property tax bill for 976 Provincial Cir was $1,349, up 13.4% 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	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,349.00 (+13.36%)	$366,729 (+3,308.26%) Land $85,644 Building $281,085	$622,300 Land $170,000 Building $452,300
2024	$1,190.00	$10,760
2022	$1,069.00	$10,760	$381,100 Land $89,000 Building $292,100
2020			$381,100 Land $89,000 Building $292,100

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 976 Provincial Cir in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	16 (1979–2018)
Claims Outside the SFHA	11 of 16
Most Recent Claim	Dec 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 2 claims Hurricane Hugo, Sep 1989 · 5 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 976 Provincial Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 99.1% of South Carolina
Wildfire Likelihood	0.01% 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	MT PLEASANT WATERWORKS serves 91,500 people · EPA ID SC1010002
Water Source	Purchased surface water from CHARLESTON WATER SYSTEM
Last State Inspection	Dec 2022
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 206 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20