Berkeley County property record for 114 Bay St, Saint Stephen, SC 29479
| Property Type | Single Family Home |
|---|---|
| Details | 2,158 sqft · built 2023 |
| Lot Size | 0.369 acres (16,106 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $259,000 (Apr 2023) |
| Tax Bill | $4,735 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-14-01-045 |
| Primary APN | 026-14-01-045 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 2,158 sqft Finished Area |
| Gross Area | 2,394 sqft |
| 1st Floor Area | 2,158 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 16,106 sqft (0.369 acres) |
| Garage Type | Carport |
| Garage Area | 236 sqft |
| Carport | Carport |
| Carport Area | 236 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 236 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Storage Building | 48 sqft |
| Street Address | 114 BAY ST |
|---|---|
| City | SAINT STEPHEN |
| State | SC |
| Zip | 29479-3385 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ST STEPHEN |
| Legal Subdivision | ST STEPHEN |
| Jurisdiction | BERKELEY SC |
| Township / Civil Division | ST. STEPHEN |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 20201 |
114 Bay St is owned and occupied by two individuals who bought it in April 2023.
Source: Berkeley County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 114 BAY ST, SAINT STEPHEN, SC 29479-3385 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 24, 2023 | Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK |
| Nov 7, 2022 | Deed, Transfer · Stand-Alone First Mortgage KAPP INVESTMENTS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2023 · Amount on File |
| Deed Sale | Apr 24, 2023 · Amount on File |
| Prior Sale | Nov 7, 2022 · Amount on File |
| Deed Document Number | 202311656 |
| Deed Book / Page | 4537 / 749 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY SC |
| Recording Date | Apr 24, 2023 |
| Property Address | 114 BAY ST, SAINT STEPHEN, SC 29479-3385 |
| Document Number | 04537/0749 |
| Book / Page | 4537 / 749 |
| Map Reference | CAB D PG 363 |
| Instrument Date | Apr 7, 2023 |
| Instrument | 2023011656 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $673.40 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 114 BAY ST, SAINT STEPHEN, SC 29479-3385 |
| Document Number | 2023011657 |
|---|---|
| Date | Apr 24, 2023 |
| Instrument | 2023011657 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY SC |
| Recording Date | Nov 7, 2022 |
| Property Address | 114 BAY ST, SAINT STEPHEN, SC 29479-3385 |
| Document Number | 04409/0860 |
| Book / Page | 4409 / 860 |
| Map Reference | CAB D PG 363 |
| Instrument Date | Nov 3, 2022 |
| Instrument | 2022042446 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $221.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8340 AVENUE, ISLE OF PALMS, SC 29451 |
| Document Number | 2022042447 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 2022042447 |
| Name | KAPP INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 114 Bay St was $4,735, down 3% from the year before.
Source: Berkeley County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Berkeley County |
| Municipality | St. Stephen Town |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $263,700 (+1,566.67%) Land $35,000 Building $228,700 | $263,700 (-) Land $35,000 Building $228,700 | |
| 2025 | $4,735.00 (-2.97%) | $15,822 (-) Land $2,100 Building $13,722 | $263,700 (-) Land $35,000 Building $228,700 |
| 2024 | $4,880.00 | $15,822 Land $2,100 Building $13,722 | $263,700 Land $35,000 Building $228,700 |
| 2022 | $608.00 | $9,343 Land $673 Building $8,670 | $173,500 Land $12,500 Building $161,000 |
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.
FEMA maps place 114 Bay St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2015 · Severe Storms And Flooding |
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 risk around 114 Bay St is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 59% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BCWSA SANGAREE W/D (0820002) serves 95,345 people · EPA ID SC0820002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Home Telecom Cable · Fiber in parts of the area | 2,000 / 500 |
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