105 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 105 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Row House
Details	3 bd · 3.5 ba · 3,078 sqft · built 1784
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$3,650,000 (Apr 2022)
Tax Bill	$68,474 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`458-09-03-140`

Property Details

APN / Parcel Number

Primary APN	`458-09-03-140`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,078 sqft Living Area
1st Floor Area	988 sqft
Upper Floors Area	2,090 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1784
Effective Year Built	Effective 1784
Architectural Style	Georgian
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	122 ft deep x 21 ft wide

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	36 sqft
Patio Area	106 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	105 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2544
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	SUBDIVISION NAME -105 E BAY AND DESCRIPTION -LT B AND 6 FT PASSAGEWAY
Legal Subdivision	105 E BAY
Legal Lot Number	B
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	200

Owner

105 E Bay St, a row house, is owned by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4330 RIVER GARDEN TRL, AUSTIN, TX 78746-2015
Owner Type	Individual

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
Apr 14, 2022	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L
Aug 27, 2018	Quit Claim Deed, Mortgage UBS BK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2022 · Amount on File
Deed Sale	Apr 14, 2022 · Amount on File
Prior Sale	Dec 23, 2015 · Amount on File
Deed Book / Page	1100 / 221
Prior Transfer Date	Aug 15, 2018
Prior Transfer Doc	0743/0104
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 14, 2022
Property Address	105 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0011000221
Book / Page	1100 / 221
Map Reference	MB DD PG 37
Instrument Date	Apr 6, 2022
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,490.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4330 RIVER GARDEN TRL, AUSTIN, TX 78746-2015

Mortgage

Document Number	0001100222
Date	Apr 14, 2022
Instrument	1100/222

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.25%
Index	Other
Margin	3
Max Rate	7.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	105 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0900/0023
Instrument Date	Jun 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	105 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0900/0023
Date	Jul 28, 2020
Book Page	000900/000023

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2035

August 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 27, 2018
Property Address	105 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0743/0104
Book / Page	000743 / 000104
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018
Title Company	LENDERLIVE SETTLEMENT SERVICES LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	105 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	743/0105
Date	Aug 27, 2018
Book Page	000743/000105

Lender

Name	UBS BK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 105 E Bay St was $68,474, up 1% 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	$68,474.00 (+9.98%)	$4,197,500 (+1,816.67%) Land $926,500 Building $3,271,000	$4,380,500 Land $926,500 Building $3,454,000
2024	$62,258.00	$219,000
2022	$10,620.00	$89,810	$2,245,100 Land $821,900 Building $1,423,200
2020			$3,650,000 Land $975,000 Building $2,675,000

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.

Flood

FEMA maps place 105 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 105 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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