Berkeley County property record for 986 S Main St, Saint Stephen, SC 29479
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,025 sqft · built 1996 |
| Lot Size | 0.44 acres (19,198 sqft) |
| Owner | Individual on Record |
| Last Sale | $105,000 (Jul 2020) |
| Tax Bill | $214 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-00-02-106 |
| Primary APN | 036-00-02-106 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,025 sqft Finished Area |
| Gross Area | 1,159 sqft |
| 1st Floor Area | 1,025 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 19,198 sqft (0.44 acres) |
| Porch | Slab |
| Porch Area | 64 sqft |
| Storage Building | 70 sqft |
| Street Address | 986 S MAIN ST |
|---|---|
| City | SAINT STEPHEN |
| State | SC |
| Zip | 29479-3495 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BERKELEY C |
| Legal Description | TRACT 1 A |
| Legal Subdivision | RUSSELLVLE/41 SEC/HARRISTOWN/WEST OF |
| Legal Tract | 1 |
| Jurisdiction | BERKELEY SC |
| Township / Civil Division | ST. STEPHEN |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 20201 |
Source: Berkeley County assessment roll, as of June 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 986 S MAIN ST, SAINT STEPHEN, SC 29479-3495 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 12, 2017 | Deed of Trust, Mortgage · Line of Credit BAYER HERITAGE FCU |
| Nov 29, 2021 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Jul 27, 2020 | Deed, Transfer · VA Mortgage ANGEL OAK HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2020 · Amount on Record |
| Deed Sale | Jul 27, 2020 · Amount on Record |
| Prior Sale | Jun 29, 2009 · Amount on Record |
| Deed Document Number | 202027787 |
| Deed Book / Page | 3441 / 458 |
| Prior Transfer Date | Jul 28, 2006 |
| Prior Transfer Doc | 05845/0021 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 986 S MAIN ST, SAINT STEPHEN, SC 29479-3495 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 986 S MAIN ST, SAINT STEPHEN, SC 29479-3495 |
| Document Number | 05407/0707 |
|---|---|
| Date | Dec 8, 2025 |
| Book Page | 5407/707 |
| Instrument | 2025041176 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | May 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 986 S MAIN ST, SAINT STEPHEN, SC 29479-3495 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02510/0372 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 2510/0372 |
| Instrument | 2017024766 |
| Name | BAYER HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | PROCTOR, WV 26055 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 11, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY SC |
| Property Address | 986 S MAIN ST, SAINT STEPHEN, SC 29479-3495 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 04061/0859 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 4061/859 |
| Instrument | 2021055659 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY SC |
| Recording Date | Jul 27, 2020 |
| Property Address | 986 S MAIN ST, SAINT STEPHEN, SC 29479-3495 |
| Document Number | 03441/0458 |
| Book / Page | 3441 / 458 |
| Map Reference | CAB P PG 392-E |
| Instrument Date | Jul 27, 2020 |
| Instrument | 2020027787 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 986 S MAIN ST, SAINT STEPHEN, SC 29479-3495 |
| Document Number | 2020027788 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 2020027788 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Berkeley County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Berkeley County |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $119,600 (+2,4%) Land $17,826 Building $101,774 | $157,000 (-) Land $23,400 Building $133,600 | |
| 2025 | $214.00 (-63.79%) | $4,784 (-) Land $713 Building $4,071 | $157,000 (-) Land $23,400 Building $133,600 |
| 2024 | $591.00 (-0.17%) Additional exemption filed | $4,784 (+15%) Land $713 Building $4,071 | $157,000 (+50.96%) Land $23,400 Building $133,600 |
| 2022 | $592.00 Homeowner's exemption | $4,160 Land $832 Building $3,328 | $104,000 Land $20,800 Building $83,200 |
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.
Source: FEMA National Flood Hazard Layer, effective June 18, 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 80% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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 | BCWSA SANGAREE W/D (0820002) serves 95,345 people · EPA ID SC0820002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Home Telecom Cable | 2,000 / 500 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures