Charleston County property record for 978 Three Trees Rd, Charleston, SC 29412
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,489 sqft · built 1977 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $920,000 (Mar 2024) |
| Tax Bill | $4,635 (2025) |
| Deeds & Mortgages | Mar 2024 Sale Mar 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 428-11-00-102 |
| Primary APN | 428-11-00-102 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,489 sqft Living Area |
| 1st Floor Area | 1,227 sqft |
| Upper Floors Area | 1,262 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 47,916 sqft (1.1 acres) |
| Lot Dimensions | 283 ft deep x 169 ft wide |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 420 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 978 THREE TREES RD |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29412-4924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -ASHWOOD DESCRIPTION -LOT 9 |
| Legal Subdivision | ASHWOOD |
| Legal Lot Number | 9 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 2006 |
978 Three Trees Rd is owned and occupied by two individuals who bought it in March 2024.
Source: Charleston County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2024 | Deed of Distribution, Transfer |
| Mar 18, 2024 | Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Jun 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 30, 2021 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2024 · Amount on File |
| Deed Sale | Mar 18, 2024 · Amount on File |
| Deed Book / Page | 1233 / 829 |
| Prior Transfer Date | Mar 6, 2024 |
| Prior Transfer Doc | 0012330828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Mar 18, 2024 |
| Property Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Document Number | 0012330828 |
| Book / Page | 1233 / 828 |
| Map Reference | MB AH PG 96 |
| Instrument Date | Mar 6, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Mar 18, 2024 |
| Property Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Document Number | 0012330829 |
| Book / Page | 1233 / 829 |
| Map Reference | MB AH PG 96 |
| Instrument Date | Mar 6, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,392.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Document Number | 0001233830 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 1233/830 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0010000015 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 1000/15 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 978 THREE TREES RD, CHARLESTON, SC 29412-4924 |
| Document Number | 0010380304 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 1038/304 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 20, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 978 Three Trees Rd was $4,635, up 113.3% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | James Island Town |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,635.00 (+113.3%) | $980,000 (+5,163.16%) Land $412,300 Building $567,700 | $980,000 Land $412,300 Building $567,700 |
| 2024 | $2,173.00 | $18,620 | |
| 2022 | $1,987.00 | $18,620 | $465,400 Land $136,700 Building $328,700 |
| 2020 | $465,400 Land $136,700 Building $328,700 |
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.
FEMA maps place 978 Three Trees Rd in Zone X, an area of minimal flood risk, though there have been 95 flood claims nearby since 1989.
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 269 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 281 units insured incl. 12 condo units |
| Nearby Flood Claims | 95 (1989–2024) |
| Claims Outside the SFHA | 41 of 95 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| Claims by Event |
|
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 risk around 978 Three Trees Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 91% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 309 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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