132 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 132 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Commercial
Details	2,091 sqft · built 1978
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on File
Tax Bill	$22,829 (2025)
Deeds & Mortgages	Aug 2025 Sale Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`458-09-04-046`

Property Details

APN / Parcel Number

Primary APN	`458-09-04-046`

Interior

Units	3 Units
Stories	2 Stories
Building Area	2,091 sqft Building Perimeter

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	52 ft deep x 44 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	132 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2164
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DESCRIPTION -132 SE E BAY&MIDDLE ATLANTIC WHF
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1030
Census Tract	200

Owner

132 E Bay St, a commercial property, is owned by a company.

Source: Charleston County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 21878, CHARLESTON, SC 29413-1878
Owner Type	Company
Vesting	Company

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
Aug 18, 2025	Limited Warranty Deed, Transfer
Jan 9, 2020	Deed of Trust, Mortgage · Line of Credit SERVISFIRST BK
Jan 15, 2019	Deed of Trust, Mortgage · Line of Credit SOUTH ATLANTIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 18, 2025
Property Address	132 E BAY ST, CHARLESTON, SC 29401-2164
Document Number	0013310988
Book / Page	1331 / 988
Map Reference	MB M-99 PG 432
Instrument Date	Aug 13, 2025
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2185, WENDELL, NC 27591-2185

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	132 E BAY ST, CHARLESTON, SC 29401-2164
Document Number	0853/0144
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	403 RAMSEY GRANT DR CARY NC 275196545, CARY, NC 27519-6545

Mortgage

Document Number	0853/0144
Date	Jan 15, 2020
Book Page	000853/000144

Lender

Name	SERVISFIRST BK
Type	Bank
Address	CHARLESTON, SC 29403

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	132 E BAY ST, CHARLESTON, SC 29401-2164
Document Number	0772/0619
Instrument Date	Jan 15, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	403 RAMSEY GRANT DR CARY NC 275196545, CARY, NC 27519-6545

Mortgage

Document Number	0772/0619
Date	Jan 16, 2019
Book Page	000772/000619

Lender

Name	SOUTH ATLANTIC BK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Jan 15, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 132 E Bay St was $22,829, up 10.2% 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	$22,829.00 (+10.23%)	$1,382,145 (+1,816.72%) Land $594,880 Building $787,265	$1,420,400 Land $594,880 Building $825,520
2024	$20,710.00	$72,110
2022	$19,213.00	$72,110	$1,284,200 Land $572,000 Building $712,200
2020			$1,284,200 Land $572,000 Building $712,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 132 E Bay St in Zone X, an area of moderate flood risk, within 100 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 100 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 132 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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