211 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 211 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Commercial
Details	4,640 sqft · built 1981
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Tax Bill	$35,373 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2021 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`458-05-03-081`

Property Details

APN / Parcel Number

Primary APN	`458-05-03-081`

Interior

Stories	3 Stories
Building Area	4,640 sqft Building Perimeter

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	90 ft deep x 30 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	211 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2608
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DESCRIPTION -211 EAST BAY
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1048
Census Tract	5100

Owner

211 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 1298, CHARLESTON, SC 29402-1298
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
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
May 24, 2021	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Jul 10, 2018	Deed of Trust, Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	Jul 27, 2026
Property Address	211 E BAY ST, CHARLESTON, SC 29401-2608
Document Number	0000047139
Book / Page	1405 / 685
Instrument Date	Jul 14, 2026
Instrument	202647139
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 E BAY ST, CHARLESTON, SC 29401-2633

Mortgage

Document Number	0000047139,
Date	Jul 27, 2026
Book Page	1405/685
Instrument	202647139

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jul 15, 2033

Interest

Rate	6.47%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	211 E BAY ST, CHARLESTON, SC 29401-2608
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09940225
Date	May 24, 2021
Book Page	994/225

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	72 Months
Due	May 6, 2027

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	211 E BAY ST, CHARLESTON, SC 29401-2608
Document Number	0734/0074
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	215 E BAY ST CHARLESTON SC 294012633, CHARLESTON, SC 29401-2633

Mortgage

Document Number	0734/0074
Date	Jul 18, 2018
Book Page	000734/000074

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 211 E Bay St was $35,373, up 10.6% 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	$35,373.00 (+10.59%)	$2,161,771 (+1,816.63%) Land $872,307 Building $1,289,464	$4,267,500 Land $1,170,000 Building $3,097,500
2024	$31,987.00	$112,790
2022	$29,784.00	$112,790	$2,788,000 Land $1,125,000 Building $1,663,000
2020			$2,788,000 Land $1,125,000 Building $1,663,000

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.

Flood

FEMA maps place 211 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	Hurricane Irma, Sep 2017 · 8 claims Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Hugo, Sep 1989 · 23 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 211 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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