245 1/2 Rutledge Ave, Charleston, SC 29403 Property Records

Charleston County property record for 245 1/2 Rutledge Ave, Charleston, SC 29403

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,164 sqft · built 2004
Lot Size	0.19 acres (8,284 sqft)
Owner	Company Name on File
Last Sale	$780,000 (Oct 2019)
Tax Bill	$7,519 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`460-11-02-134`

Property Details

APN / Parcel Number

Primary APN	`460-11-02-134`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,164 sqft Living Area
Upper Floors Area	1,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Foundation Type	Slab (Mat/Raft)
Lot Area	8,284 sqft (0.19 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	245 1/2 RUTLEDGE AVE
City	CHARLESTON
State	SC
Zip	29403-5351
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SUBDIVISION NAME -RUTLEDGE AND BOGARD HPR DESCRIPTION -UNIT 245 1/2 SITE NAME -RUTLEDGE BOGARD HPR
Legal Subdivision	RUTLEDGE AND BOGARD HPR
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1008
Census Tract	1100

Owner

245 1/2 Rutledge Ave, a condominium, is owned by a company that bought it in October 2019.

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	Company Name on File
Mailing Address	18525 LEATHERWOOD RD, SALESVILLE, OH 43778-9760
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · FHA Mortgage FARM CREDIT MID AMERICA FLCA
Oct 7, 2019	Grant Deed, Transfer BANK OF SC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2019 · Amount on File
Deed Sale	Oct 7, 2019 · Amount on File
Prior Sale	Dec 23, 2013 · Amount on File
Deed Book / Page	827 / 996
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	245 RUTLEDGE AVE, CHARLESTON, SC 29403-5351
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010530868
Date	Nov 18, 2021
Book Page	1053/868

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	198 Months
Due	May 1, 2038

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Oct 7, 2019
Property Address	245 RUTLEDGE AVE, CHARLESTON, SC 29403-5351
Document Number	0827/0996
Book / Page	000827 / 000996
Instrument Date	Oct 4, 2019
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	18525 LEATHERWOOD RD SALESVILLE OH 437789760, SALESVILLE, OH 43778-9760

Mortgage

Document Number	827/0999
Date	Oct 7, 2019
Book Page	000827/000999

Lender

Name	BANK OF SC
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Amount	Amount on Record
Term	60 Months
Due	Oct 6, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 245 1/2 Rutledge Ave was $7,519, up 10.8% 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	$7,519.00 (+10.8%)	$448,500 (+1,816.67%) Land $149,385 Building $299,115	$587,000 Land $221,700 Building $365,300
2024	$6,786.00	$23,400
2022	$6,278.00	$23,400	$390,000 Land $129,900 Building $260,100
2020			$390,000 Land $129,900 Building $260,100

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 245 1/2 Rutledge Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

The area around 245 1/2 Rutledge Ave 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 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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