Charleston County property record for 190 E Bay St, Charleston, SC 29401
| Property Type | Commercial Condominium |
|---|---|
| Details | 1,701 sqft · built 1880 |
| Lot Size | 0.411 acres (17,920 sqft) |
| Owner | Company Name on File |
| Tax Bill | $15,517 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 458-09-02-075 |
| Primary APN | 458-09-02-075 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,701 sqft Total Area |
| 1st Floor Area | 1,701 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 17,920 sqft (0.411 acres) |
| Heating System | Heat Pump |
|---|
| Street Address | 190 E BAY ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29401-2123 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Commercial Condominium |
| Legal Description | SUBDIVISION NAME -192 EAST BAY STREET HPR DESCRIPTION -UNIT 102 |
| Legal Subdivision | 192 EAST BAY STREET HPR |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | CHARLESTON CENTRAL |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 5100 |
190 E Bay St, a commercial property, is owned by a company that acquired it in March 2004.
Source: Charleston County records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 21929, CHARLESTON, SC 29413-1929 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 31, 2004 |
| Transfer Doc | F489/0585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 190 E BAY ST, CHARLESTON, SC 29401-2123 |
| Document Number | 0717/0397 |
| Instrument Date | May 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 18 BROAD ST #801 CHARLESTON SC 294013017, 801, CHARLESTON, SC 29401-3017 |
| Document Number | 0717/0397 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 000717/000397 |
| Name | BEACON COMMUNITY BANK |
|---|---|
| Address | 578 E BAY ST # D, CHARLESTON, SC 29403-6472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 190 E Bay St was $15,517, up 10.2% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Charleston City |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,517.00 (+10.21%) | $951,539 (+1,816.49%) Land $397,487 Building $554,052 | $1,076,600 Land $442,260 Building $634,340 |
| 2024 | $14,080.00 | $49,650 | |
| 2022 | $13,111.00 | $49,650 | $1,018,000 Land $425,250 Building $592,750 |
| 2020 | $1,018,000 Land $425,250 Building $592,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 E Bay 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 292 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 967 units insured incl. 675 condo units |
| Nearby Flood Claims | 55 (1982–2023) |
| Claims Outside the SFHA | 2 of 55 |
| Most Recent Claim | Dec 2023 · alluvial fan flooding |
| Claims by Event |
|
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.
The area around 190 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.
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 |
| 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.
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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