109 Bogard St, Charleston, SC 29403 Property Records

Charleston County property record for 109 Bogard St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,992 sqft · built 1895
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$388,620 (May 2020)
Tax Bill	$7,541 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2023 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`460-11-02-114`

Property Details

APN / Parcel Number

Primary APN	`460-11-02-114`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,992 sqft Living Area
1st Floor Area	930 sqft
Upper Floors Area	1,062 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	92 ft deep x 34 ft wide
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 BOGARD ST
City	CHARLESTON
State	SC
Zip	29403-5251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -109 BOGARD ST DESCRIPTION -LT 15
Legal Subdivision	109 BOGARD ST
Legal Lot Number	15
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1009
Census Tract	1100

Owner

109 Bogard St is owned and occupied by an individual who acquired it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	109 BOGARD ST, CHARLESTON, SC 29403-5251
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
Sep 26, 2023	Deed of Trust, Mortgage · Loan Assumption FLAGSTAR BANK FSB
Nov 20, 2023	Quit Claim Deed, Transfer Quitclaim
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG
May 15, 2020	Grant Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2020 · Amount on File
Deed Sale	May 15, 2020 · Amount on File
Prior Sale	Sep 22, 2000 · Amount on File
Deed Book / Page	883 / 155
Last Transfer Date	Oct 5, 2023
Transfer Doc	0012140286
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	109 BOGARD ST, CHARLESTON, SC 29403-5251
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012050258
Date	Sep 26, 2023
Book Page	1205/258

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Loan Assumption
Amount	Amount on Record

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 20, 2023
Property Address	109 BOGARD ST, CHARLESTON, SC 29403-5251
Document Number	0012140286
Book / Page	1214 / 286
Map Reference	MB B PG 149
Instrument Date	Oct 5, 2023
Transaction Type	Transfer
Record Updated	Jan 31, 2024

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	109 BOGARD ST, CHARLESTON, SC 29403-5251

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	109 BOGARD ST, CHARLESTON, SC 29403-5251
Document Number	0883/0156
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 BOGARD ST CHARLESTON SC 294035251, CHARLESTON, SC 29403-5251

Mortgage

Document Number	0883/0156
Date	May 15, 2020
Book Page	000883/000156

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 15, 2020
Property Address	109 BOGARD ST, CHARLESTON, SC 29403-5251
Document Number	0883/0155
Book / Page	000883 / 000155
Instrument Date	Apr 29, 2020
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.00
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	109 BOGARD ST CHARLESTON SC 294035251, CHARLESTON, SC 29403-5251

Mortgage

Document Number	883/0156
Date	May 15, 2020
Book Page	000883/000156

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 109 Bogard St was $7,541, up 11.5% 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	$7,541.00 (+11.5%)	$446,890 (+1,816.34%) Land $345,000 Building $101,890	$703,669 Land $551,269 Building $152,400
2024	$6,763.00	$23,320
2022	$1,919.00	$15,540	$388,600 Land $300,000 Building $88,600
2020			$388,600 Land $300,000 Building $88,600

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 109 Bogard 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 104 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	120 units insured incl. 16 condo units
Nearby Flood Claims	26 (1989–2018)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jul 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 6 claims Hurricane Hugo, Sep 1989 · 11 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 109 Bogard 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 654 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile.

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