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290 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 290 E Bay St, Charleston, SC 29401

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details40,463 sqft · built 1981
Lot Size2.78 acres (121,097 sqft)
OwnerCompany Name on File
Last Sale$2,136,750 (Aug 2001)
Tax Bill$86,947 (2025)
Deeds & MortgagesJan 2021 Loan Modification
Flood ZoneZone AE (high risk)
APN458-01-04-012

Property Details

APN / Parcel Number

Primary APN458-01-04-012

Interior

Stories1 Story
Building Area40,463 sqft Total Area
1st Floor Area40,463 sqft
Overhead DoorOverhead Door

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Lot Area121,097 sqft (2.78 acres)
Lot Dimensions117 ft deep x 394 ft wide
TerrainHigh

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address290 E BAY ST
CityCHARLESTON
StateSC
Zip29401-1623
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal DescriptionDESCRIPTION -E E BAY BTWN SOCIETY & HASELL SITE NAME -A/K/A HARRIS TEETER # 277
Legal SubdivisionHARRIS
JurisdictionCHARLESTON SC
Township / Civil DivisionCHARLESTON CENTRAL
Census Block Group1
Census Block1035
Census Tract5100

Owner

290 E Bay St, a commercial property, is owned by a company that bought it in August 2001.

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

Owner of RecordCompany Name on File
Mailing AddressPO BOX 10100, MATTHEWS, NC 28106-0100
Owner TypeCompany
VestingCompany

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 9, 2001 · Amount on File
Deed SaleAug 9, 2001 · Amount on File
Deed Book / Page379 / 479
Prior Transfer DateAug 6, 2001
Prior Transfer DocJ379/0472
Record UpdatedOct 29, 2026

January 2021: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCHARLESTON SC
Property Address290 E BAY ST, CHARLESTON, SC 29401-1623
Document Number0956/0031
Instrument DateJan 29, 2021
Transaction TypeMortgage
Record UpdatedJun 22, 2021
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1127 QUEENSBOROUGH BLVD #105 MOUNT PLEASANT SC 294645431, 105, MOUNT PLEASANT, SC 29464-5431

Mortgage

Document Number0956/0031
DateJan 29, 2021
Book Page000956/000031
Lender
NameMISCELLANEOUS INS CO
AddressPO BOX 771320, ST LOUIS, MO 63177-2320
Agreement
TypeLine of Credit
AmountAmount on Record
Term336 Months
DueJan 28, 2049
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 290 E Bay St was $86,947, up 14.1% from the year before.

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

TypeName
StateSouth Carolina
CountyCharleston County
MunicipalityCharleston City
Unified School DistrictCharleston County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$86,947.00 (+14.12%)$4,182,711 (+1,816.65%) Land $4,182,681 Building $30$28,336,664 Land $28,336,464 Building $200
2024$76,190.00$218,230
2022$71,043.00$218,230$27,246,800 Land $27,246,600 Building $200
2020$27,246,800 Land $27,246,600 Building $200

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 290 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 292 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies967 units insured
incl. 675 condo units
Nearby Flood Claims55 (1982–2023)
Claims Outside the SFHA2 of 55
Most Recent ClaimDec 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 290 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 RiskNot 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 SystemCHARLESTON WATER SYSTEM
serves 278,771 people · EPA ID SC1010001
Water SourceSurface water
Last State InspectionFeb 2024
Lead4 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and ReportingNone
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 328 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

May also be available: Home Telecom, Verizon.

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