Charleston County property record for 204 E Mariners Cay, Folly Beach, SC 29439
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 1983 |
| Lot Size | 10.7 acres (468,082 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $534,250 (Jan 2026) |
| Tax Bill | $7,735 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Nov 2020 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 328-00-00-120 |
| Primary APN | 328-00-00-120 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| Upper Floors Area | 588 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Condo/Apartment |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 468,082 sqft (10.7 acres) |
| Deck Area | Deck Area |
| Heating System | Heat Pump |
|---|
| Street Address | 204 E MARINERS CAY |
|---|---|
| City | FOLLY BEACH |
| State | SC |
| Zip | 29439 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | SUBDIVISION NAME -MARINERS CAY RACQUET AND YACHT CLUB DESCRIPTION -APT 204 BL 1 PH IIIA % OWNERSHIP OF COM ELEM .0077% |
| Legal Subdivision | MARINERS CAY RACQUET AND YACHT CLUB |
| Legal Phase | 3A |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 2009 |
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 Record |
|---|---|
| Mailing Address | 204 E MARINERS CAY, FOLLY BEACH, SC 29439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed, Transfer · Conventional Mortgage CLEAR2MORTGAGE INC |
| Nov 2, 2020 | Deed of Trust, Mortgage · Line of Credit SOUTHERN FIRST BK NA |
| Jun 28, 2019 | Grant Deed, Transfer · Line of Credit SOUTHERN FIRST BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2026 · Amount on Record |
| Deed Sale | Jan 15, 2026 · Amount on Record |
| Prior Sale | Sep 3, 2024 · Amount on Record |
| Deed Book / Page | 1363 / 470 |
| Prior Transfer Date | Jun 17, 2019 |
| Prior Transfer Doc | 0804/0944 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jan 15, 2026 |
| Property Address | 204 E MARINERS CAY, FOLLY BEACH, SC 29439 |
| Document Number | 0013630470 |
| Book / Page | 1363 / 470 |
| Map Reference | MB Z193 PG 847 |
| Instrument Date | Jan 7, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,389.70 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 204 E MARINERS CAY, FOLLY BEACH, SC 29439 |
| Document Number | 0001363473 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 1363/473 |
| Name | CLEAR2MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 204 E MARINERS CAY FOLLY BCH, FOLLY BEACH, SC 29439 |
| Document Number | 0940/0975 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 314 BOBCAT TRL SIMPSONVILLE SC 296815255, SIMPSONVILLE, SC 29681-5255 |
| Document Number | 0940/0975 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 000940/000975 |
| Name | SOUTHERN FIRST BK NA |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 3, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jun 28, 2019 |
| Property Address | 204 E MARINERS CAY FOLLY BCH, FOLLY BEACH, SC 29439 |
| Document Number | 0804/0944 |
| Book / Page | 000804 / 000944 |
| Instrument Date | Jun 17, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 BOBCAT TRL SIMPSONVILLE SC 296815255, SIMPSONVILLE, SC 29681-5255 |
| Document Number | 804/0945 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 000804/000945 |
| Name | SOUTHERN FIRST BK NA |
|---|---|
| Type | Bank |
| Address | CAYCE, SC 29033 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Folly Beach City |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,735.00 (+527.33%) | $538,000 (+4,619.3%) Land $116,300 Building $421,700 | $538,000 (+88.77%) Land $116,300 Building $421,700 |
| 2024 | $1,233.00 (+4.58%) | $11,400 (-) | |
| 2022 | $1,179.00 | $11,400 | $285,000 (-) Land $65,000 Building $220,000 |
| 2020 | $285,000 Land $65,000 Building $220,000 |
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.
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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 121 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 385 units insured incl. 264 condo units |
| Nearby Flood Claims | 21 (2015–2024) |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 67% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond 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 | FOLLY BEACH CITY OF (1010005) serves 5,086 people · EPA ID SC1010005 |
|---|---|
| Water Source | Purchased surface water from CHARLESTON WATER SYSTEM |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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