3 Senate St, Charleston, SC 29403 Property Records

Charleston County property record for 3 Senate St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 857 sqft · built 1925
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$493,000 (Jun 2022)
Tax Bill	$2,939 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`460-03-02-078`

Property Details

APN / Parcel Number

Primary APN	`460-03-02-078`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	857 sqft Living Area
1st Floor Area	857 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	1,307 sqft (0.03 acres)
Lot Dimensions	38 ft deep x 40 ft wide
Porch	Slab
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	3 SENATE ST
City	CHARLESTON
State	SC
Zip	29403-4400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -W SENATE 3
Legal Subdivision	CURRENTLY KNOWN
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	5300

Owner

3 Senate St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3 SENATE ST, CHARLESTON, SC 29403-4400
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Jun 1, 2022	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Prior Sale	Sep 12, 2012 · Amount on File
Deed Book / Page	1113 / 325
Prior Transfer Date	Oct 18, 2006
Prior Transfer Doc	T6020184
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	3 SENATE ST, CHARLESTON, SC 29403-4400
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011130326
Date	Jul 1, 2022
Book Page	1113/326

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2052

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 1, 2022
Property Address	3 SENATE ST, CHARLESTON, SC 29403-4400
Document Number	0011130325
Book / Page	1113 / 325
Map Reference	MB C PG 28
Instrument Date	May 25, 2022
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,281.80
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SENATE ST, CHARLESTON, SC 29403-4400

Mortgage

Document Number	0001113326
Date	Jun 1, 2022
Instrument	1113/326

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3 Senate St was $2,939, up 11.2% 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	$2,939.00 (+11.2%)	$566,950 (+2,775%) Land $318,850 Building $248,100	$570,400 Land $322,300 Building $248,100
2024	$2,643.00	$19,720
2022	$1,162.00	$8,730	$346,500 Land $233,700 Building $112,800
2020			$493,000 Land $244,000 Building $249,000

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

FEMA maps place 3 Senate St 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 128 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	130 units insured incl. 2 condo units
Nearby Flood Claims	28 (1982–2022)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Jul 2022 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims Severe Storms And Flooding, Oct 2015 · 8 claims Hurricane Hugo, Sep 1989 · 9 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 3 Senate 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 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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