1925 Clay Ln, Charleston, SC 29414 Property Records

Charleston County property record for 1925 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	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$687,500 (Apr 2023)
Tax Bill	$3,433 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`309-00-00-441`

Property Details

APN / Parcel Number

Primary APN	`309-00-00-441`

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	6,098 sqft (0.14 acres)
Porch	Slab
Porch Area	648 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1925 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 118
Legal Subdivision	CAROLINA BAY PHASE 17B
Legal Phase	17
Legal Lot Number	118
Jurisdiction	CHARLESTON SC
Township / Civil Division	WEST ASHLEY
Census Block Group	2
Census Block	2018
Census Tract	5601

Owner

1925 Clay Ln is owned and occupied by two individuals who bought it in April 2023.

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	1925 CLAY LN, CHARLESTON, SC 29414-6680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2023 · Amount on File
Deed Sale	Apr 18, 2023 · Amount on File
Prior Sale	Mar 28, 2014 · Amount on File
Deed Book / Page	1174 / 457
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 18, 2023
Property Address	1925 CLAY LN, CHARLESTON, SC 29414-6680
Document Number	0011740457
Book / Page	1174 / 457
Map Reference	MB L11 PG 51&52
Instrument Date	Apr 6, 2023
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,787.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1925 CLAY LN, CHARLESTON, SC 29414-6680

Mortgage

Document Number	0001174458
Date	Apr 18, 2023
Instrument	1174/458

Lender

Name	SOUTH CAROLINA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2028
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Index	Other
Max Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 1925 Clay Ln was $3,433, down 3.1% 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	$3,433.00 (-3.1%)	$687,500 (+2,4%) Land $115,000 Building $572,500	$687,500 Land $115,000 Building $572,500
2024	$3,543.00	$27,500
2022	$2,371.00	$19,400	$485,100 Land $72,300 Building $412,800
2020			$687,500 Land $115,000 Building $572,500

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 1925 Clay Ln 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1925 Clay Ln is moderate, ranking above 58% 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 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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