125 Simons St, Charleston, SC 29403 Property Records

Charleston County property record for 125 Simons St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 1940
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (May 2013)
Tax Bill	$3,973 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Oct 2020 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`463-11-04-082`

Property Details

APN / Parcel Number

Primary APN	`463-11-04-082`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,522 sqft Living Area
1st Floor Area	1,052 sqft
Upper Floors Area	470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cottage
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	104 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	125 SIMONS ST
City	CHARLESTON
State	SC
Zip	29403-3647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -125 SIMMONS ST DESCRIPTION -LT C
Legal Subdivision	125 SIMMONS ST
Legal Lot Number	C
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1000
Census Tract	5900

Owner

125 Simons St is owned and occupied by two individuals who bought it in May 2013.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	125 SIMONS ST, CHARLESTON, SC 29403-3647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Oct 6, 2020	Deed of Trust, Construction Loan · Construction Mortgage REGIONS MTG
Dec 11, 2019	Deed of Trust, Mortgage · Line of Credit TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2013 · Amount on File
Deed Sale	May 23, 2013 · Amount on File
Prior Sale	Jan 31, 2012 · Amount on File
Deed Book / Page	332 / 969
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	125 SIMONS ST, CHARLESTON, SC 29403-3647
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SIMONS ST, CHARLESTON, SC 29403-3647

Mortgage

Document Number	0010200386
Date	Aug 4, 2021
Book Page	1020/386

Lender

Name	COGENT BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jul 28, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	Oct 6, 2020
Property Address	125 SIMONS ST, CHARLESTON, SC 29403-3647
Document Number	0922/0776
Book / Page	000922 / 000776
Instrument Date	Sep 3, 2020
Transaction Type	Construction Loan
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	125 SIMONS ST CHARLESTON SC 294033647, CHARLESTON, SC 29403-3647

Mortgage

Document Number	0922/0776
Date	Oct 6, 2020
Book Page	000922/000776

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	125 SIMONS ST, CHARLESTON, SC 29403-3647
Document Number	0846/0898
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	125 SIMONS ST CHARLESTON SC 294033647, CHARLESTON, SC 29403-3647

Mortgage

Document Number	0846/0898
Date	Dec 16, 2019
Book Page	000846/000898

Lender

Name	TRUIST BK
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 15, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 125 Simons St was $3,973, up 11.3% 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	$3,973.00 (+11.32%)	$593,687 (+2,587.58%) Land $315,166 Building $278,521	$987,400 Land $379,400 Building $608,000
2024	$3,569.00	$22,090
2022	$2,518.00	$20,650	$555,700 Land $295,000 Building $260,700
2020			$555,700 Land $295,000 Building $260,700

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 125 Simons 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	13 (2015–2024)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Debby, Aug 2024 · 5 claims Severe Storms And Flooding, Oct 2015 · 2 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 125 Simons 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 561 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, WOW Internet, Cable & Phone.

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