225 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 225 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Hotel
Details	52,286 sqft · built 2002
Lot Size	0.42 acres (18,295 sqft)
Owner	Company Name on File
Tax Bill	$401,174 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2022 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`458-05-03-076`

Property Details

APN / Parcel Number

Primary APN	`458-05-03-076`

Interior

Stories	5 Stories
Building Area	52,286 sqft Finished Area
Gross Area	1,500 sqft
Upper Floors Area	1,500 sqft
Elevator	Elevator

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	18,295 sqft (0.42 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	225 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2608
Property Category	Commercial
Property Type	Commercial > Retail > Hotel
Legal Description	DESCRIPTION -27 29 31 33 S MARKET AND 225 EAST BAY
Legal Subdivision	S MARKET
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1048
Census Tract	5100

Owner

225 E Bay St, a commercial property, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	2008 SAVANNAH HWY, CHARLESTON, SC 29407-6286
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
May 5, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH ATLANTIC BANK
May 5, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH ATLANTIC BANK
Mar 15, 2019	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK
Mar 16, 2018	Deed of Trust, Mortgage SYNOVUS BK/FL

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	225 E BAY ST, CHARLESTON, SC 29401-2608
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E BAY ST, CHARLESTON, SC 29401-2608

Mortgage

Document Number	0011060840
Date	May 5, 2022
Book Page	1106/840

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Apr 28, 2027

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	225 E BAY ST, CHARLESTON, SC 29401-2608
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E BAY ST, CHARLESTON, SC 29401-2608

Mortgage

Document Number	0011060843
Date	May 5, 2022
Book Page	1106/843

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Apr 28, 2023

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	225 E BAY ST, CHARLESTON, SC 29401-2608
Document Number	0783/0832
Instrument Date	Mar 15, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2008 SAVANNAH HWY CHARLESTON SC 294076286, CHARLESTON, SC 29407-6286

Mortgage

Document Number	0783/0832
Date	Mar 18, 2019
Book Page	000783/000832

Lender

Name	SYNOVUS BK
Type	Bank
Address	1221 MAIN ST, COLUMBIA, SC 29201-3231

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	225 E BAY ST, CHARLESTON, SC 29401-2608
Document Number	0706/0078
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2008 SAVANNAH HWY CHARLESTON SC 294076286, CHARLESTON, SC 29407-6286

Mortgage

Document Number	0706/0078
Date	Mar 21, 2018
Book Page	000706/000078

Lender

Name	SYNOVUS BK/FL
Type	Bank
Address	1221 MAIN ST, COLUMBIA, SC 29201-3231

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 225 E Bay St was $401,174, up 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	$401,174.00 (+9.99%)	$21,510,000 (+1,594.23%) Land $6,290,000 Building $15,220,000	$21,510,000 Land $6,290,000 Building $15,220,000
2024	$364,739.00	$1,269,600
2022	$338,355.00	$1,269,600	$27,527,800 Land $5,945,875 Building $21,581,925
2020			$27,527,800 Land $5,945,875 Building $21,581,925

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 225 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 225 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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