1905 Clay Ln, Charleston, SC 29414 Property Records

Charleston County property record for 1905 Clay Ln, Charleston, SC 29414

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,920 sqft · built 2014
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$740,000 (Jun 2026)
Tax Bill	$2,818 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jun 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`309-00-00-436`

Property Details

APN / Parcel Number

Primary APN	`309-00-00-436`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,920 sqft Living Area
Gross Area	4,704 sqft
1st Floor Area	1,424 sqft
Upper Floors Area	1,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	6,970 sqft (0.16 acres)
Porch	Slab
Porch Area	648 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1905 CLAY LN
City	CHARLESTON
State	SC
Zip	29414-6680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -CAROLINA BAY PHASE 17BDESCRIPTION -LOT 113
Legal Subdivision	CAROLINA BAY PHASE 17B
Legal Phase	17
Legal Lot Number	113
Jurisdiction	CHARLESTON SC
Township / Civil Division	WEST ASHLEY
Census Block Group	2
Census Block	2018
Census Tract	5601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1905 CLAY LN, CHARLESTON, SC 29414-6680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Jun 4, 2026	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	May 28, 2014 · Amount on Record
Deed Document Number	202634832
Deed Book / Page	1393 / 809
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	1905 CLAY LN, CHARLESTON, SC 29414-6680
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 CLAY LN, CHARLESTON, SC 29414-6680

Mortgage

Document Number	0011890850
Date	Jul 7, 2023
Book Page	1189/850

Lender

Name	PINNACLE BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jun 23, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 4, 2026
Property Address	1905 CLAY LN, CHARLESTON, SC 29414-6680
Document Number	0013930809
Book / Page	1393 / 809
Instrument Date	May 13, 2026
Instrument	202634832
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276,538.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 CLAY LN, CHARLESTON, SC 29414-6680

Mortgage

Document Number	0000034833,
Date	Jun 4, 2026
Instrument	202634833

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$2,818.00 (+11.6%)	$553,265 (+2,774.1%) Land $85,330 Building $467,935	$733,500 (+52.46%) Land $115,100 Building $618,400
2024	$2,525.00 (+7.26%)	$19,250 (-)
2022	$2,354.00	$19,250	$481,100 (-) Land $74,200 Building $406,900
2020			$481,100 Land $74,200 Building $406,900

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

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 125 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	125 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · above 76% of South Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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