2515 S Bay St, Georgetown, SC 29440 Property Records

Georgetown County property record for 2515 S Bay St, Georgetown, SC 29440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,686 sqft · built 1997
Lot Size	2.54 acres (111,034 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Jan 2008)
Tax Bill	$8,304 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`0500460128.00.00`

Property Details

APN / Parcel Number

Primary APN	`0500460128.00.00`
Alternative APNs	`05-0046-128-00-00` `24413`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,686 sqft Living Area
Gross Area	4,584 sqft
1st Floor Area	2,824 sqft
2nd Floor Area	862 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2015
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	111,034 sqft (2.54 acres)

Exterior Amenities

Porch	Slab
Porch Area	177 sqft
Deck Area	721 sqft
Patio Area	721 sqft
Loading Dock	Loading Dock
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	24413
Street Address	2515 S BAY ST
City	GEORGETOWN
State	SC
Zip	29440-4261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 SEC 1 MARYVILLE F
Legal Subdivision	MRVL
Legal Lot Number	10
Jurisdiction	GEORGETOWN SC
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2003
Census Tract	920702

Owner

Source: Georgetown County records · APN 0500460128.00.00

Assessment roll updated January 21, 2026 · Last verified April 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 File
Mailing Address	2515 S BAY ST, GEORGETOWN, SC 29440-4261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 15, 2008 · Amount on Record
Deed Sale	Jan 15, 2008 · Amount on Record
Prior Sale	Jun 18, 2007 · Amount on Record
Deed Book / Page	819 / 296
Last Transfer Date	Feb 11, 2010
Transfer Doc	01432/0183
Record Updated	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN SC
Property Address	2515 S BAY ST, GEORGETOWN, SC 29440-4261
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2515 S BAY ST, GEORGETOWN, SC 29440-4261

Mortgage

Document Number	04277/0264
Date	Jan 10, 2022
Book Page	4277/264
Instrument	202200000325

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 10, 2042

Tax Assessment & Valuation

Source: Georgetown County records · Assessment roll updated January 21, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Georgetown County
Municipality	Georgetown City
Unified School District	Georgetown County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,304.00 (+14.7%)	$36,358 (+14.98%) Land $22,130 Building $14,228	$1,570,500 (+98.7%) Land $955,900 Building $614,600
2023	$7,240.00 (+9.58%)	$31,620 (-) Land $14,280 Building $17,340	$790,400 (-) Land $356,900 Building $433,500
2022	$6,607.00	$31,620 Land $14,280 Building $17,340	$790,400 Land $356,900 Building $433,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Georgetown County (45043C), as of June 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450439207022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 126 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	9 (2000–2024)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 5 claims

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 98% of South Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Horry Telephone Cooperative Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 16 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system SC2210001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF GEORGETOWN serves 9,092 people
Water Source	Surface water
Last State Inspection	May 2025
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.