107 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 107 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Row House
Details	3 bd · 3 ba · 2,854 sqft · built 1980
Lot Size	0.05 acres (2,178 sqft)
Owner	Trust Name on File
Last Sale	$1,400,000 (May 2016)
Tax Bill	$10,964 (2025)
Deeds & Mortgages	Nov 2019 Mortgage May 2019 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`458-09-03-139`

Property Details

APN / Parcel Number

Primary APN	`458-09-03-139`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,854 sqft Living Area
Gross Area	285 sqft
1st Floor Area	760 sqft
Upper Floors Area	2,398 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Row Home
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asbestos
Lot Area	2,178 sqft (0.05 acres)
Lot Width	26 ft Width
Porch	Porch
Porch Area	256 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	107 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2544
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	LEGAL DESCRIPTIONS DO NOT EXIST FOR THIS ACCOUNT.
Legal Subdivision	COOPERS LANDING
Legal Phase	II
Legal Block	A
Legal Lot Number	34
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	200

Owner

107 E Bay St, a row house, is held in a trust since May 2016.

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

Owner of Record	Trust Name on File
Mailing Address	107 E BAY ST, CHARLESTON, SC 29401-2544
Owner Type	Company
Vesting	Trust, Irrevocable 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
Nov 15, 2019	Deed of Trust, Mortgage IBERIABANK
May 3, 2019	Deed of Trust, Mortgage · Line of Credit IBERIABANK
Oct 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage RICHARD D JOSEPH
Oct 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage WILLIAM G JR SCRANTOM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2016 · Amount on File
Deed Sale	May 18, 2016 · Amount on File
Prior Sale	Jun 23, 2005 · Amount on File
Deed Book / Page	554 / 551
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	107 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0841/0033
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	107 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0841/0033
Date	Nov 20, 2019
Book Page	000841/000033

Lender

Name	IBERIABANK
Type	Bank
Address	NEW IBERIA, LA 70562

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	107 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0802/0048
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	107 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0802/0048
Date	Jun 17, 2019
Book Page	000802/000048

Lender

Name	IBERIABANK
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	107 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0755/0711
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	107 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0755/0711
Date	Oct 24, 2018
Book Page	000755/000711

Lender

Name	RICHARD D JOSEPH

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	107 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0692/0387
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	107 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0692/0387
Date	Jan 16, 2018
Book Page	000692/000387

Lender

Name	WILLIAM G JR SCRANTOM
Address	100 SPRING HARBOR DR, COLUMBUS, GA 31904-4619

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 107 E Bay St was $10,964, up 7.9% 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	$10,964.00 (+7.88%)	$2,294,538 (+2,775%) Land $778,355 Building $1,516,183	$3,140,200 Land $885,100 Building $2,255,100
2024	$10,163.00	$79,810
2022	$9,559.00	$79,810	$2,338,300 Land $793,200 Building $1,545,100
2020			$2,338,300 Land $793,200 Building $1,545,100

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 107 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 107 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.

Nearby Properties on E Bay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures