Jackie, Home Buyer in Charleston, SC

What flood zone is this house in?, Coopers Landing? (how much is the flood insurance each year?

Asked by Jackie, Charleston, SC Wed Nov 5, 2008

This question is about this property: http://www.trulia.com/property/26745579-1519-Hidden-Bridge-D…

Help the community by answering this question:


I know you have received plenty of information regarding the flood zone for this property. I would also recommend getting a few estimates for your hazard insurance due to the broad range of costs between companies. If you would like a few names of insurance agents who are very helpful, I will be glad to email you their information. Thanks!
William Stover
Realtor, Accredited Buyer Representative
0 votes Thank Flag Link Fri Nov 7, 2008
Dear Jackie,

As I promised in my response yesterday, I have found that the current flood insurance premium is $285 per year. As noted by another agent, you can often assume the current owners' policy which would negate the need to get a new elevation certificate. That is not always the case, though. If you would like additional information on this property or would like to take a look at it, give me a call at 843-442-2219, or e-mail me at cflowers@woodsflowers.com. Please know that you can search all available Charleston area homes at my website, http://woodsflowers.com .
Best regards,
Cheryl Woods-Flowers
Keller Williams
Web Reference: http://woodsflowers.com
0 votes Thank Flag Link Thu Nov 6, 2008
It looks like this home is in an AE12 zone according to the FEMA map. But to be sure we should double check with an insurer and get a cost estimate.
If you'd like me to call a insurance group we work with for those details, please give me a call. I'll be happy to follow up.
0 votes Thank Flag Link Wed Nov 5, 2008
Hi Jackie - Be careful on flood insurance, it is transferable in most cases unless the home owner has a policy through USAA which only covers military people. If you would like to see the home, please email me at rsandin@carolinaone.com and call me at 209-9667. I would be happy to schedule a showing for you on the property and gather up all the necessary information on the property. Thanks, Randall Sandin
0 votes Thank Flag Link Wed Nov 5, 2008
Dear Jackie,

This home is 1740 square feet according to the listing, 3 bedrooms/2.5 baths and is currently listed for $262,272. It went on the market on 9/17 for $299,900 and it now appears that it may be a short sale. The Sellers Disclosure notes that it is in a flood zone but does not say how much the insurance is. I have already placed a call to find out and will provide the answer in a later posting. You may want to know that flood insurance, unlike homeowners insurance, will be the same regardless of the insurance company that you purchase it through since it is a Federal program. Feel free to contact me at 843-442-2219, at cflowers@woodsflowers.com, or visit my website, http://woodsflowers.com for additional information.

Best regards,

Cheryll Woods-Flowers, ABR
Keller Williams Realty
Web Reference: http://woodsflowers.com
0 votes Thank Flag Link Wed Nov 5, 2008
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