Your Path to Homeownership Starts Here - Expert Mortgage Assistance

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We know that many home loan officers have horrible reputations. Some brokers only see their clients as transactions, and a means to make quick money. They come off as impatient and pushy, failing to understand that this is a very big decision for you. At Mission One Mortgage, we take the opposite approach. We encourage our clients to take as much time as needed to ask us questions and review mortgage documents. We could say that our mission is to exceed your expectations, but we'd rather just show you. From assistance finding FHA, VA, or other loans to refinancing your current mortgage, Mission One is the team you can trust.

Here are just a few reasons why home buyers choose Mission One Mortgage:

No Additional Fees

No Additional Fees- Providing our client's services free of charge, using a mortgage broker like Mission One Mortgage can help you scout the best price on loans without a hefty price tag.

Access to 50 Lenders

Access to 50 Lenders- With access to a range of loans and interest rates available, Mission One Mortgage can shop for the best loans for your unique needs.

Accessible to Our Clients

Accessible to Our Clients- Providing a transparent and communicative service to all our clients, Mission One Mortgage ensures all phone calls are answered or returned in a timely manner.

Setting You Up for Success

Setting You Up for Success- Helping you prepare all your documents for pre-approval and the loan application, Mission One Mortgage will provide you with all the necessary information to secure the best loan.

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To understand the benefits of working with a mortgage broker, you must first understand their role in the home-buying process.

What Does a Mortgage Broker Do?

Your mortgage broker is a third party that works to connect you with mortgage lenders. Essentially, a mortgage broker works as an intermediary between a person who wants to buy a home and the entities offering loans to buy a home. The mortgage broker works with both the borrower and lender to get the borrower approved. They also verify and collect paperwork from the borrower that the lender needs to finish a home purchase. Typically, mortgage brokers have relationships with several home loan lenders. Mission One Mortgage, for example, has access to 50 different lenders, which gives us a wide range of home loans in James Island, SC, from which to choose.

In addition to finding a home loan lender, your mortgage broker will help you settle on the best loan options and interest rates for your budget. Ideally, your mortgage broker will take a great deal of stress and legwork off your plate while also potentially saving you money.

Help with the Pre-Approval Process

If you're ready to buy a home, getting pre-qualified is a great choice that will streamline the entire process. Your mortgage broker makes getting pre-approved easy by obtaining all the documents needed to get you pre-qualified. In taking a look at your application, they will determine if you're ready for the pre-approval process. If your application needs additional items, the mortgage company will help point you in the right direction to ensure your application is as strong as it can be. Your mortgage broker will also walk you through the different types of loans, from Conventional and FHA to VA and USDA.

In order to be pre-approved for a home in South Carolina, you must have the following:

  • Two Years of W2 Forms
  • 30 Days of Pay Stubs from Employer
  • 60 Days of Bank Statements
  • A Valid Driver's License

Conventional Mortgages

Conventional loans can be used to purchase a new home or refinance your current one. Conventional loans include fixed-rate mortgages and adjustable-rate mortgages. Generally, borrowers must put down a 3% down payment for owner-occupants, 10% for a vacation property, and 20% for an investment home. If you are able to pay 20% of the total cost of the home, you can avoid private mortgage insurance, which is otherwise required. Conventional mortgages are often preferred by buyers with good credit or people needing a non-owner-occupied mortgage.

Mortgage Company James Island, SC
Mortgage Lending Service James Island, SC

FHA Loans

FHA mortgages are issued by the U.S. government and backed by the Department of Housing & Urban Development (HUD). This loan is often preferred by first-time homebuyers because it only requires a 3.5% down payment and offers more flexibility with credit requirements and underwriting standards. FHA loans have several requirements you must meet to qualify. Contact Mission One Mortgage today to learn more about FHA loans and whether or not they're best for your financial situation.

USDA Loans

Also backed by the government, these loans are insured by the U.S. Department of Agriculture and don't require money down. These loans have lower insurance requirements when compared to FHA loans, offer 100% financing if you qualify, and allow for closing costs to be covered by the seller. In order to qualify for a USDA loan, you must live in a rural area, and your household income must meet certain standards. These loans are often preferred by low-income citizens who live in rural parts of South Carolina.

Refinancing James Island, SC
Refinances James Island, SC

Veteran Mortgages

Also known as VA or Veteran's Affairs loans, these mortgages are reserved for the brave men and women who served in the military. VA loans help provide our military members, veterans, and their families with favorable loan terms and an easy home ownership experience. Often, those who qualify are not required to make a down payment on their home. Additionally, these loans often include less expensive closing costs.

If you are a veteran or the family member of a veteran, contact Mission One Mortgage today to speak with our Vetted VA Professional, Debbie Haberny. Debbie helps our military members, veterans, and their family members obtain home loans utilizing veteran benefits and would be happy to help as you search for a home.

Q. I was talking to my spouse about mortgage brokers, and they mentioned the phrase home loan originator. What's the difference between a broker and a loan originator?

A. The mortgage industry is full of confusing jobs and titles, making it easy to confuse roles and responsibilities. Such is the case with mortgage brokers and home loan originators. Though their roles share similarities, a home loan originator in James Island, SC, works for a bank or credit union, while a mortgage broker works for a brokerage company. Home loan originators and mortgage brokers are both licensed by the Nationwide Multistate Licensing System (NMLS).

Q. I've heard from everyone that you must have mortgage insurance to buy a home. What is mortgage insurance?

A. Essentially, mortgage insurance helps protect lenders if a borrower forecloses on the home they bought. One advantage of mortgage insurance is that when borrowers pay it, lenders can often grant loans to buyers when they might not have otherwise. Though not always required to buy a home, mortgage insurance is often needed for down payments of less than 20%.

Q. I have just been pre-approved to buy a beautiful home in South Carolina. Is there anything I shouldn't do now that I'm pre-qualified?

A. Mortgage companies like Mission One Mortgage, make getting pre-qualified for a home easy. However, as your loan process continues, your lender is required to run a new credit report before closing on a home. For that reason, it's to avoid any activity that might affect your credit score, such as:

  • Do not become a co-signer on a loan with someone else.
  • Do not quit or change your job.
  • Do not apply for new credit cards, automobile loans, or any other lines of credit.
  • Do not use your credit card to pay for large purchases, like furniture for your new house.
  • Do not avoid payments on current lines of credit, loans, or utility bills.

Q. My brother-in-law recently refinanced his home in South Carolina. What is refinancing, and should I consider refinancing my home too?

A. Refinancing your home basically means you're swapping your current mortgage for a new one, most often with a lower interest rate. If you would like to reduce the term of your loan, lower your monthly mortgage payments, or consolidate debt, refinancing may be a smart option. Many homeowners also choose to refinance if they want to switch from adjustable-rate mortgages to fixed-rate mortgages or to get cash back for home renovations. To learn whether refinancing is a viable option for your situation, contact Mission One Mortgage ASAP, as loan rates change frequently.

Mission One Mortgage: Turning Dreams into Reality, One Mortgage at a Time

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Here at Mission One Mortgage, we believe that the best communities begin with the dream of home ownership. Our mission is to make those dreams come true, with personalized service, expert guidance, and good old-fashioned hard work. As one of the most trusted mortgage companies in James Island, SC, we have years of experience working with a diverse range of clients, from first-time buyers and investors to self-employed borrowers and non-native English speakers.

Though every mortgage situation is different, one thing never changes: our commitment to clients. Contact our office today to get started on an exceptional home-buying experience.

Contact Us For Service !

phone-number (843) 822-5685
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Latest News Near Me James Island, SC

Johns Island preserves 66 acres of land with waterfront access to create new park

JOHNS ISLAND — After 66 acres of land was successfully preserved, Charleston County Parks has plans to give residents public waterfront access by creating a new park.Located off Old Pond Road, the property provides direct access to Simmons Creek, which feeds into the Stono River. The preservation is part of a years-long effort to add more public access to water for Johns Island residents, according to Natalie Olson, Sea Islands program director at the ...

JOHNS ISLAND — After 66 acres of land was successfully preserved, Charleston County Parks has plans to give residents public waterfront access by creating a new park.

Located off Old Pond Road, the property provides direct access to Simmons Creek, which feeds into the Stono River. The preservation is part of a years-long effort to add more public access to water for Johns Island residents, according to Natalie Olson, Sea Islands program director at the Lowcountry Land Trust.

The effort started in 2018 when the Johns Island Community Conservation Initiative, funded by the Donnelley Foundation dedicated to land conservation, identified a growing concern through a series of workshops with residents: Johns Island's rapid growth and continuing development have reduced residents’ access to waterways.

As residential development has expanded on the island, Olson said, public waterfront access has been cut off and limited to just a few spots, like the John P. Limehouse Boat Landing.

She added that residents of the island deserve to have public waterfront access and shouldn't have to leave Johns Island to find it.

"We're surrounded by a beautiful and bountiful resource that has always been part of the culture and natural heritage of the Sea Islands, but the access to it is so limited," Olson said. "This is an effort not only to restore access, but to bring it to safeguard it for future generations."

The 66 acres were initially two separate parcels of land: one 13 acre parcel owned by Joanne Nason and a 53 acre property owned by Gary McLaurin.

McLaurin donated the 53 acres to Lowcountry Land Trust in 2020, and the Land Trust purchased the other 13 acres from Nason's estate for $930,000 in 2023 on a loan. Olson said they spent the next two years granting conservation easements — preserving the green space and ensuring no development happens — and applying for grants to help pay off the loan.

The Land Trust also received financial support from other organizations such as the South Carolina Conservation Bank, Charleston County's greenbelt program, the Ceres Foundation and the Lowcountry Land Protection Capacity Fund.

Lowcountry Land Trust transferred ownership of the land to Charleston County Parks in May. Matt Moldenhauer, senior planner at Charleston County Parks, said there is no current timeline for developing the park. For the time being, the property will not be open to the public.

While there are no specific plans yet, Moldenhauer said the park will be passive and include walking trails and a paddle sports launch.

He added people always tell the county parks department they want more trails and waterfront access. This property, which Moldenhauer described as a hidden gem, will meet that demand.

"It's a beautiful little marsh, tidal corridor on Johns Island that I don't think a lot of people know about," he said. "We're excited to be able to share that with the public."

James Island flood mitigation project a mixed bag for residents

Construction is now underway on a Charleston County pro...

Construction is now underway on a Charleston County project aimed at alleviating flooding in the James Island area, a project some residents say is long overdue. (WCIV)

JAMES ISLAND, S.C. (WCIV) — Construction is now underway on a Charleston County project aimed at alleviating flooding in the James Island area, a project some residents say is long overdue.

The project is also one that carries some short term pain for commuters and drivers in the area.

"Some of the problems are we've put two major developments back on that road that has probably not done anything but help decrease the amount of absorption that was getting done by the live oaks and the trees that were in that area. So that's contributed to this problem, but in theory it's gonna be good when it's done," said Adam Friend, founder, of the Woodland Source Road Coalition.

The initiative will involve a partial shut down of Central Park Road between Riverland Drive and Fleming Road.

The county is hopeful the initiative will fix an area long affected by king tide and spring tide events.

The project involves raising Central Park Road by up to two feet throughout the corridor and adding a series of large drainage pipes.

Those pipes will feature tide gates and check valves to block incoming tides that exceed normal levels.

It's a mixed bag for some residents who understand the need but worry about increased traffic congestion.

"You've got areas where the development just outpaces the infrastructure because it was never meant to support that many people. So, you know, that's really complex stuff way beyond my understanding. But I do see the problems that arise and it's usually traffic. It's congestion, it's over-crowdedness, said area resident Kev Hollo.

At the end of the day, county officials say the improvements will prevent that roadway flooding associated with nearby James Island Creek. Temporary adjustments will remain in place until November with the full project expected to be completed by spring of 2026.

14 hotspots to celebrate the Fourth of July and watch the fireworks around Charleston

Firecrackers will flash across Charleston's stunning skyline once again this year, offering yet another spectacular Fourth of July for the Lowcountry.If you're looking for a special setting to embrace the patriotic holiday, consider watching the dazzling light shows aboard the flight desk of the USS Yorktown. This year's event will feature two separate stages with local bands, the opportunity to explore parts of the Yorktown museum and more fun family activities to honor the national holiday."Every adult hits that point wh...

Firecrackers will flash across Charleston's stunning skyline once again this year, offering yet another spectacular Fourth of July for the Lowcountry.

If you're looking for a special setting to embrace the patriotic holiday, consider watching the dazzling light shows aboard the flight desk of the USS Yorktown. This year's event will feature two separate stages with local bands, the opportunity to explore parts of the Yorktown museum and more fun family activities to honor the national holiday.

"Every adult hits that point where you think you've been to every kind of fireworks show," said Sam Elkin, Patriots Point's director of marketing and communication. "If you've seen one, you've seen them all, right? That is until they've seen this one — which is the most unique fireworks show in Charleston — with unmatched views and sightlines of multiple fireworks shows across Charleston harbor. It's truly something special."

If you're in Summerville, head to the Fireworks and Freedom Festival, where there will be glow sticks for the little ones and the shuttle buses running from behind town hall to Gahagan Park.

"It's really a great event for Summerville, as well as for those from Moncks Corner or North Charleston looking for something a little different from what they're used to," said Rigel Kocur, Summerville Parks and Recreation Department's marketing and events manager.

With so many captivating celebrations to choose from, we've got 14 hotspots for your Fourth of July festivities and fireworks.

Fireworks and Freedom Festival

What: Enjoy a curated fireworks display, tasty food trucks, inflatable obstacle courses and community fun hosted by the Summerville Parks and Recreation Department.

When: 5:30-9:30 p.m.

Where: Gahagan Park, 515 W. Boundary St., Summerville

Price: Free

Red, White and Palm

What: Get together at this pre-fireworks gathering and enjoy a live DJ, light bites, chilled cocktails and a stunning view of the fireworks over Charleston's skyline. Patriotic attire is encouraged.

When: 6-9 p.m.

Where: Little Palm, 237 Meeting St., Charleston

Price: Free

Fabulous Fourth in the Creek

What: Goose Creek hosts their annual Fourth of July celebration and fireworks show, featuring live music, tasty food vendors and plenty of family-friendly activities to explore.

When: 6:30-9:30 p.m.

Where: Goose Creek Municipal Center, 519 N. Goose Creek Blvd.

Price: Free

Fourth of July Fireworks Blast

What: Watch Charleston harbor light up with fireworks aboard the historic USS Yorktown with live music, tasty food vendors and unmatched views.

When: 7-10 p.m.

Where: USS Yorktown, Patriots Point Naval and Maritime Museum, 40 Patriots Point, Mount Pleasant

Price: $109

What: This annual parade which will march down Dunvegan Drive, turn left on Shadowmoss Parkway and travel around Muirfield before wrapping up at the starting line. Expect patriotic floats, some vintage cars and more.

When: 10 a.m.

Where: Shadowmoss Golf & Country Club, 21 Dunvegan Drive, Charleston

Price: Free

Fourth of July Fireworks Cruise

What: Board The Carolina Girl yacht for an exclusive night on Charleston harbor to view the annual fireworks shows, featuring a live DJ, light bites, an open bar and incredible views.

When: 8-11 p.m.

Where: St. Johns Yacht Harbor, 2408 Maybank Highway, Johns Island

Price: $170

July 4th Family Picnic and Fireworks

What: Bring out your family and friends for an outdoor picnic with fun games, live music and fireworks.

When: 6-9 p.m.

Where: Bay Creek Park, 3706 Dock Site Road, Edisto Island

Price: Free

4th of July Festival

What: Break out the lawn chairs for North Charleston's annual festival featuring a stunning fireworks show after dark and live music from Motown Throwdown alongside DJ Natty Heavy and DJ D-Nyce.

When: 5-9:30 p.m.

Where: Riverfront Park, 1061 Everglades Ave., North Charleston

Price: Free

4th of July Juke Joint Jam

What: Celebrate Independence Day with some Gullah Geechee food and culture alongside some groovin' funk by DJ Kwame Sha as well as Beth Inabinett & For the Funk of It Band. All proceeds support the Penn Center's heritage program.

When: 7 p.m.

Where: Penn Center, 16 Penn Center Circle E., St. Helena Island

Price: $28

Isle of Palms Fourth of July Fireworks Show

What: Isle of Palms will host their annual fireworks show on the beach with incredible displays across the entirety of Charleston harbor.

When: 9 p.m.

Where: Front Beach, 1118 Ocean Blvd., Isle of Palms

Price: Free

Independence Day Celebration

What: Celebrate Independence Day with a fun bike parade, cookout, live music, watermelon-eating contest, breakdancing and fireworks.

When: 5-9 p.m.

Where: Night Heron Park, 1 Kiawah Island Parkway, Kiawah Island

Price: Free

Daniel Island Independence Day Celebration

What: Sign up for Daniel Island's golf cart parade, which begins at Bishop England High School and continues to Daniel Island School parking lot. A celebration will follow at Smythe Park with live DJs, dance performances, music from Wildflower Station and the East Coast Party Band.

When: 4-9 p.m. July 3

Price: Free

Sullivan's Island 4th of July Golf Cart Parade

What: Join in on the annual golf cart and bike parade, starting at the Sunrise Presbyterian Church and heading to Sullivan's Island Elementary School. Registered participants will be judged for most-festive golf cart at the finish line.

When: 8:30 a.m.

Price: Free

Sullivan's Island Independence Day Party

What: Following the annual parade, break out a lawn chair or picnic blanket and watch the fireworks fly over Sullivan's Island while listening to jams from the Shem Creek Boogie Band.

When: 6 p.m.

Where: J. Marshall Stith Park, 2058 Middle St., Sullivan's Island

Price: Free

James Island Eminent Domain

Imagine a developer who thoughtfully deliberates about what type of business would be best suited for an area. He meets with residents to address their concerns. He painstakingly implements every suggestion, even if he doesn’t have to. Most towns would welcome such a developer with open arms. That’s not what happened to Kyle Taylor. The Town Council of James Island, South Carolina, doesn’t want Kyle to develop his land at all, so the council decided to just take Kyle’s property away from him using eminent domain. The ...

Imagine a developer who thoughtfully deliberates about what type of business would be best suited for an area. He meets with residents to address their concerns. He painstakingly implements every suggestion, even if he doesn’t have to. Most towns would welcome such a developer with open arms. That’s not what happened to Kyle Taylor. The Town Council of James Island, South Carolina, doesn’t want Kyle to develop his land at all, so the council decided to just take Kyle’s property away from him using eminent domain. The council says they took the land to build a “park,” but that’s a ruse. They want to unconstitutionally stop Kyle from developing his own property.

Kyle is a native James Islander who only wants to use his civil engineering skills to develop thoughtful properties in his hometown. Consistent with the nature of small towns, he is acquainted with most of the residents and regularly works with them to ensure he takes their needs into account—a quality in a developer that most towns can only dream of. His projects are designed to blend in and enhance the surrounding neighborhoods. He initially wanted to build mixed-use, residential and commercial properties. After the town nixed that idea, he pivoted to something that would have minimal impact and was clearly allowed under the zoning code—a storage facility. The town wasn’t willing to allow that either.

The town tried to interfere with the sale of land to Kyle. But once their efforts failed, the town realized they only had one tool left to deny Kyle the right to develop his own property. The town resorted to the extreme tactic of authorizing eminent domain, claiming that they needed the land for a park. But without any previous discussion of a park, funds for a park, or plans for a park, it is clear that the park is just a pretext for stopping Kyle from lawfully developing his property, a blatant constitutional violation.

Kyle has teamed up with the Institute for Justice in his lawsuit filed in South Carolina state court to challenge the town’s unlawful attempt at taking his property.

Kyle Taylor was born and raised in James Island, South Carolina. After earning his degree in civil engineering, he wanted to return home and use his skills to improve his community by developing local properties for the benefit of all James Islanders. Kyle founded KT Properties, which develops both retail and residential properties.

Kyle’s love for his hometown shows in his work—he doesn’t look for the easiest or fastest projects. He works with his fellow residents to identify needs, listen to concerns they may have, and makes sure every development fits within the community.

A New Project

In 2022, Kyle began the process of purchasing a 1.2-acre wooded tract of land for his next project. The narrow sliver of land is on the border between homes and businesses, and Kyle envisioned developing a mixed residential and commercial property in this ideal location. The land is completely fenced off and surrounded by various other pieces of land undergoing construction.

Kyle followed every required building step to a T and filled out a rezoning application. His project was agreed to by town planning staff, and the Planning Commission unanimously recommended approval. The Town Council, however, rejected the Commission’s recommendation and denied the rezoning application, in response to a campaign by local residents who oppose development in James Island. With his original plan now denied, Kyle decided to develop the property into something that it was already zoned for: a self-storage facility. This type of structure was already approved by the Town Council, so Kyle believed that he could proceed without interference. Kyle even took the extra step of creating a design that would fit in with the town’s aesthetic to cut down on any potential complaints, adding features that would have it blend in with other buildings.

Town Caves to Anti-Development Campaign

Kyle had a clear legal right to build on his property, but he still wanted to make sure the process was smooth. After all, Kyle had grown up in James Island. These were his neighbors, and he cared about his community. So he made sure to work with the town at every step and took numerous meetings with the anti-development activists to address their concerns.

Kyle spent over $100,000 working with the planning commission to address comments from the town about potential problems. He hired a consultant to determine which trees on the property were healthy and could be preserved, modifying his plans to accommodate them. He followed up on every suggestion from the planning committee regarding design and architectural defects.

But none of this was good enough for the anti-development activists. Every time Kyle would respond to a concern, a new one would pop up. The concerns became more numerous and demanding until it became clear the only thing that would appease them would be no development at all. And while Kyle was acting in good faith, the activists continued their efforts to influence the mayor and council members to not only deny his permit, but to try to cancel the sale of the property entirely and prevent all development. When the sale still eventually went through, the town resorted to their ultimate tool to stop him from building—taking his property through eminent domain.

The town served Kyle with a condemnation notice in May 2024, claiming that they would be taking his land to create a “public park.”

Park or Pretext? James Island Abuses Eminent Domain

The condemnation notice was the first time Kyle heard anything about the land becoming a park. In fact, it was the first time anyone heard anything about the land becoming a park. That’s because the proposed “park” was just a pretext for stopping Kyle from building on his own land.

Proper park planning is a long-term process. Government officials, in consultation with the public, typically consider various sites, set aside funds, and engage in a detailed design process. It can take years. James Island did no such planning. The town never designated Kyle’s land as “Institutional/Special Purpose,” which can be used for recreation. The town never designated Kyle’s land as a “Community Facility,” which includes Parks and Recreation Services. And when given the chance, the town did not express interest or try to purchase Kyle’s land when it was listed for sale three separate times before Kyle bought it. The town has no budget to acquire Kyle’s land, design the park, or build the park and the town had no design, drawing, or plan of the park when they sent Kyle the condemnation notice. In fact, the town’s purported “plan” was nothing more than a pencil sketch that was created after they already decided to pursue eminent domain. The town refused to turn this sketch over when asked—forcing Kyle to submit a formal request to view the government document. A casual glance would also reveal the land itself is ill suited to be a park. The area is long and narrow, and wedged in between housing and a strip mall, making pedestrian access difficult.

Eminent domain, already a contentious subject, is supposed to only be used for a public use. But in the case of Kyle’s property, the government of James Island is not using eminent domain because it genuinely wants to turn Kyle’s property into a park. They’re using eminent domain because they are tired of dealing with him, and this allows them to keep the land the way it is—a skinny strip of land, fenced-in and forested, near a busy road with no sidewalk.

Legal Claims

The town’s use of eminent domain to stop Kyle from lawfully using his own property violates the U.S. Constitution. The Public Use Clause of the Fifth Amendment requires that James Island’s asserted public use for taking Kyle’s land is the actual reason the town is taking the property. The town’s attempt to justify its use of eminent domain by taking the land for a park is mere pretext. Courts around the country have rejected similar attempts to use eminent domain as a sort of “stealth-zoning” tool.1 The town’s complete lack of a plan for a park viewed in light of the town’s sudden change from full support to condemnation—after public outcry from politically connected individuals—makes it clear that the town is not really using eminent domain for a public use. Instead, James Island is using eminent domain only to stop Kyle from building on the land he bought with his hard-earned money. That is an unconstitutional abuse of eminent domain.

The Litigation Team

This case is being litigated by IJ Senior Attorney Jeff Redfern and IJ Litigation Fellow An Altik.

About the Institute for Justice

The Institute for Justice is the nation’s leading defender of property rights and has led the fight against eminent domain abuse for decades. In addition to litigating the landmark Kelo case, IJ has defended the property of beloved Atlantic City piano tuner Charlie Birnbaum and is battling against eminent domain right now in Sparta, GA, Freeport, TX, Ocean Springs, MS, and Brentwood, MO.

Developer speaks on lawsuit against James Island, eminent domain controversy

JAMES ISLAND, S.C. (WCSC) - The owner and developer of a property on James Island is explaining their development plan and why they are suing the town over their land for the first time since controversy over its use began in 2023.The property in question is about 1.2 acres out of an about six-acre lot off Dills Bluff Road. The land is owned by KT Properties. Principal Owner Kyle Taylor says he calls the Lowcountry home.“James Island is a special place. I’m from James Island. The people are tough, the people are pat...

JAMES ISLAND, S.C. (WCSC) - The owner and developer of a property on James Island is explaining their development plan and why they are suing the town over their land for the first time since controversy over its use began in 2023.

The property in question is about 1.2 acres out of an about six-acre lot off Dills Bluff Road. The land is owned by KT Properties. Principal Owner Kyle Taylor says he calls the Lowcountry home.

“James Island is a special place. I’m from James Island. The people are tough, the people are patriotic, sometimes the people are loud,” Taylor says.

Taylor started the process of buying about 1.2 acres on Dills Bluff Road in 2021 with plans to develop it. The plans had hoped to rezone the land for more commercial use but faced some nearby neighborhoods. Since then, KT properties shifted and proposed to build within the zoning, including some homes and a storage facility.

James Island residents expressed their opinions against the proposed development back in 2023.

“But I think the process, at least was as good as it could have been, and we tried to engage as much as we could, and engage early,” Taylar says.

KT Properties purchased the land from the James Island Public Service District. Taylor says while working through the final phases to purchase the property in 2024, the town got involved.

“Eminent domain was certainly surprising,” Taylor says.

Attorneys with the Institute for Justice are representing Taylor in a case challenging the town’s use of eminent domain.

“So eminent domain is the only legal way for the government to take your property. I would say that it has very, very limited use and has been expanded recently,” attorney An Altic says.

A common example of eminent domain used for a public purpose is the government buying land needed to build a new road, to alleviate traffic. Taylor’s attorney with the Institute for Justice says this situation is different than most.

“They resorted to the extreme measure of eminent domain to forcibly take his property simply because they don’t want any development on that land,” Altic says.

The Town of James Island filed an intent to condemn the land and pay the assessed value of $600,000 in 2024. At the time of the filings, the town said their master plan includes pursuing more green space, and this action aligns with their master plan.

While the Town of James Island doesn’t comment on pending litigation, a spokesperson says the Town looks forward to defending this case vigorously in court, and will not be bullied by the developer-friendly national law firm that’s chosen to intervene in this South Carolina case.

The town also provided a list of three facts the Town wishes to emphasize about the situation:

Any action on the land is on pause while the lawsuits play out in court.

“We’re willing to take it up as far as it as far as it needs to go up to the South Carolina Supreme Court if needed,” Altic says.

“This case, I think, raises a lot of constitutional questions, which is the heart of this case, and we’re not only trying to protect the rights of this property, but really the rights of everyone that could be affected by what may be illegitimate use of eminent domain and abuse of eminent domain, and so we’re trying to protect not only this property, but really everybody’s property,” Taylor says.

Copyright 2025 WCSC. All rights reserved.

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