243 Rutledge Ave, Apt B, Charleston, SC 29403 Property Records

Charleston County property record for 243 Rutledge Ave, Apt B, Charleston, SC 29403

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 3,093 sqft · built 1890
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,425,000 (Dec 2025)
Tax Bill	$11,482 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2025 Sale & Construction Loan + 3 more
Flood Zone	Zone X (moderate risk)
APN	`460-11-02-002`

Property Details

APN / Parcel Number

Primary APN	`460-11-02-002`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,093 sqft Total Area
1st Floor Area	1,389 sqft
Upper Floors Area	1,704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Victorian
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	127 ft deep x 37 ft wide
Porch	Slab
Porch Area	545 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Street Address	243 RUTLEDGE AVE, B
City	CHARLESTON
State	SC
Zip	29403-5772
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SUBDIVISION NAME -243 RUTLEDGE AVE DESCRIPTION -LT 23
Legal Subdivision	243 RUTLEDGE AVE
Legal Lot Number	23
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1008
Census Tract	1100

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	2 Individual Names on Record
Mailing Address	35 SHINGLE HOUSE RD, MILLWOOD, NY 10546-1042
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Dec 31, 2025	Deed, Construction Loan · Construction Mortgage FIRST CAPITAL BANK
Apr 19, 2021	Deed, Transfer · Stand-Alone Second Mortgage CIRCLE SEVEN STRATEGIES LLC
Oct 2, 2018	Grant Deed, Transfer SOUTH CAROLINA FCU
Oct 18, 2017	Deed of Trust, Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Apr 19, 2021 · Amount on Record
Deed Book / Page	1360 / 295
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	243 RUTLEDGE AVE APT B, B, CHARLESTON, SC 29403-5772
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010130140
Date	Jul 13, 2021
Book Page	1013/140

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Dec 31, 2025
Property Address	243 RUTLEDGE AVE APT B, B, CHARLESTON, SC 29403-5772
Document Number	0013600295
Book / Page	1360 / 295
Map Reference	MB D PG 62
Instrument Date	Nov 20, 2025
Transaction Type	Construction Loan
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,705.00
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	35 SHINGLE HOUSE RD, MILLWOOD, NY 10546-1042

Mortgage

Document Number	0001360296
Date	Dec 31, 2025
Instrument	1360/296

Lender

Name	FIRST CAPITAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 19, 2021
Property Address	243 RUTLEDGE AVE APT B, B, CHARLESTON, SC 29403-5772
Document Number	0009820433
Book / Page	982 / 433
Map Reference	MB D PG 62
Instrument Date	Apr 16, 2021
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 LONE STAR RD, BOGART, GA 30622-1657

Mortgage

Document Number	0000982434
Date	Apr 19, 2021
Instrument	982/434

Lender

Name	CIRCLE SEVEN STRATEGIES LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Oct 14, 2021

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Oct 2, 2018
Property Address	243 RUTLEDGE AVE APT B, B, CHARLESTON, SC 29403-5772
Document Number	0750/0658
Book / Page	000750 / 000658
Instrument Date	Sep 17, 2018
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$864.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 RUTLEDGE AVE CHARLESTON SC 294035772, CHARLESTON, SC 29403-5772

Mortgage

Document Number	750/0660
Date	Oct 2, 2018
Book Page	000750/000660

Lender

Name	SOUTH CAROLINA FCU
Address	N CHARLESTON, SC 29419-9012

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	243 RUTLEDGE AVE APT B, B, CHARLESTON, SC 29403-5772
Document Number	0675/0686
Book / Page	000675 / 000686
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 RUTLEDGE AVE CHARLESTON SC 294035772, CHARLESTON, SC 29403-5772

Mortgage

Document Number	0675/0686
Date	Oct 26, 2017
Book Page	000675/000686

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2047

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	$11,482.00 (+10.22%)	$1,069,500 (+2,2%) Land $517,500 Building $552,000	$1,444,000 (+55.27%) Land $633,600 Building $810,400
2024	$10,417.00 (+7.55%)	$46,500 (-)
2022	$9,686.00	$46,500	$930,000 (-) Land $450,000 Building $480,000
2020			$930,000 Land $450,000 Building $480,000

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

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 104 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	120 units insured incl. 16 condo units
Nearby Flood Claims	26 (1989–2018)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jul 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 6 claims Hurricane Hugo, Sep 1989 · 11 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

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 1,055 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Hotwire Communications.

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