106 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 106 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Condominium
Details	3 bd · 4.5 ba · 3,645 sqft · built 2001
Lot Size	0.457 acres (19,923 sqft)
Owner	2 Individual Names on File
Last Sale	$2,830,000 (Oct 2020)
Tax Bill	$15,188 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Oct 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`458-09-04-070`

Property Details

APN / Parcel Number

Primary APN	`458-09-04-070`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,645 sqft Living Area
1st Floor Area	1,215 sqft
Upper Floors Area	1,215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	19,923 sqft (0.457 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	106 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2543
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SUBDIVISION NAME -102 EAST BAY STREET HPR DESCRIPTION -UNIT 106 SITE NAME -EAST BAY & ELLIOTT HPR
Legal Subdivision	102 EAST BAY STREET HPR
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1005
Census Tract	200

Owner

106 E Bay St, a condominium, is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	106 E BAY ST, CHARLESTON, SC 29401-2543
Occupancy	Owner Occupied
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
Nov 19, 2020	Deed of Trust, Mortgage · Line of Credit SOUTHERN FIRST BK NA
Oct 3, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2020 · Amount on File
Deed Sale	Oct 3, 2020 · Amount on File
Prior Sale	Jan 25, 2013 · Amount on File
Deed Book / Page	921 / 850
Prior Transfer Date	Dec 28, 2009
Prior Transfer Doc	0099/0391
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	106 E BAY ST, CHARLESTON, SC 29401-2543
Document Number	0939/0147
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 E BAY ST CHARLESTON SC 294012543, CHARLESTON, SC 29401-2543

Mortgage

Document Number	0939/0147
Date	Nov 30, 2020
Book Page	000939/000147

Lender

Name	SOUTHERN FIRST BK NA
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2050

Interest

Rate Type	Adjustable Rate

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Oct 3, 2020
Property Address	106 E BAY ST, CHARLESTON, SC 29401-2543
Document Number	0921/0850
Book / Page	000921 / 000850
Instrument Date	Sep 16, 2020
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,830.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	106 E BAY ST CHARLESTON SC 294012543, CHARLESTON, SC 29401-2543

Tax Assessment & Valuation

The 2025 property tax bill for 106 E Bay St was $15,188, up 7.6% 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	$15,188.00 (+7.58%)	$3,254,500 Land $833,750 Building $2,420,750	$3,622,300 Land $905,600 Building $2,716,700
2024	$14,118.00
2023			$2,830,000 (-) Land $725,000 Building $2,105,000
2022	$13,360.00	$113,200	$2,830,000 Land $725,000 Building $2,105,000

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 106 E Bay St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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 106 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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