103 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 103 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,109 sqft · built 1787
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Trust Names on File
Last Sale	$3,395,000 (Apr 2022)
Tax Bill	$17,949 (2025)
Deeds & Mortgages	Sep 2025 Transfer May 2021 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`458-09-03-141`

Property Details

APN / Parcel Number

Primary APN	`458-09-03-141`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,109 sqft Living Area
Gross Area	4,049 sqft
1st Floor Area	1,348 sqft
Upper Floors Area	1,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1787
Effective Year Built	Effective 1787
Architectural Style	Georgian
Exterior Material	Brick
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Width	18 ft Width

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	103 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -LOT A AND 103 E BAY
Legal Lot Number	A
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	200

Owner

103 E Bay St is owner-occupied and held in a trust since April 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
Sep 11, 2025	Intrafamily Transfer, Transfer
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Apr 14, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 14, 2022	Deed, Transfer
Jan 7, 2020	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK
Nov 20, 2019	Quit Claim Deed, Transfer TD BK NA
Nov 20, 2019	Grant Deed, Transfer TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2022 · Amount on File
Deed Sale	Apr 14, 2022 · Amount on File
Prior Sale	Nov 20, 2019 · Amount on File
Deed Book / Page	1100 / 250
Prior Transfer Date	Apr 8, 2022
Prior Transfer Doc	0011000251
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLESTON SC
Recording Date	Sep 11, 2025
Property Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0013360880
Book / Page	1336 / 880
Instrument Date	Jul 10, 2025
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 E BAY ST, CHARLESTON, SC 29401-2544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E BAY ST, CHARLESTON, SC 29401-2544

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009940614
Date	May 25, 2021
Book Page	994/614

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2036

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 14, 2022
Property Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0011000251
Book / Page	1100 / 251
Map Reference	MB DD PG 037
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E BAY ST, CHARLESTON, SC 29401-2544

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 14, 2022
Property Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0011000250
Book / Page	1100 / 250
Map Reference	MB PP G 122
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount on Record
Tax	$8,827.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E BAY ST, CHARLESTON, SC 29401-2544

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0853/0630
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0853/0630
Date	Jan 16, 2020
Book Page	000853/000630

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2050

Interest

Rate Type	Adjustable Rate

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 20, 2019
Property Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0841/0056
Book / Page	000841 / 000056
Instrument Date	Nov 13, 2019
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	841/0057
Date	Nov 20, 2019
Book Page	000841/000057

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 20, 2019
Property Address	103 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0841/0055
Book / Page	000841 / 000055
Instrument Date	Nov 13, 2019
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,690.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	841/0057
Date	Nov 20, 2019
Book Page	000841/000057

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 103 E Bay St was $17,949, up 7.7% 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	Charleston City
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,949.00 (+7.74%)	$3,904,250 (+2,817.97%) Land $861,300 Building $3,042,950	$3,933,000 Land $861,300 Building $3,071,700
2024	$16,660.00	$133,800
2022	$8,018.00	$67,600	$1,690,000 Land $800,000 Building $890,000
2020			$3,395,000 Land $950,000 Building $2,445,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 103 E Bay St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 185 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	293 units insured incl. 108 condo units
Nearby Flood Claims	145 (1979–2024)
Claims Outside the SFHA	21 of 145
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Severe Storms And Flooding, Oct 2015 · 14 claims Hurricane Hugo, Sep 1989 · 88 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

The area around 103 E Bay St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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