34 Cedar St, Charleston, SC 29403 Property Records

Charleston County property record for 34 Cedar St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 844 sqft · built 1920
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Dec 2020)
Tax Bill	$2,496 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`461-13-03-014`

Property Details

APN / Parcel Number

Primary APN	`461-13-03-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	844 sqft Living Area
1st Floor Area	844 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)
Lot Dimensions	65 ft deep x 23 ft wide
Porch	Slab
Porch Area	125 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	34 CEDAR ST
City	CHARLESTON
State	SC
Zip	29403-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -8 CEDAR
Legal Subdivision	RESURVEY OF NO 34 CEDAR STREET
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2053
Census Tract	5400

Owner

Source: Charleston County records, as of October 9, 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	Individual Name on Record
Mailing Address	34 CEDAR ST, CHARLESTON, SC 29403-4202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Grant Deed, Transfer · Conventional with PMI GUILD MTG
Jun 25, 2018	Deed of Trust, Mortgage · Conventional with PMI BEACON COMMUNITY BANK
May 25, 2018	Deed of Trust, Mortgage · Line of Credit BEACON COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Mar 3, 2017 · Amount on Record
Deed Book / Page	945 / 87
Prior Transfer Date	Dec 18, 2017
Prior Transfer Doc	0006910499
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Dec 18, 2020
Property Address	34 CEDAR ST, CHARLESTON, SC 29403-4202
Document Number	0945/0087
Book / Page	000945 / 000087
Instrument Date	Nov 23, 2020
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	34 CEDAR ST CHARLESTON SC 294034202, CHARLESTON, SC 29403-4202

Mortgage

Document Number	945/0093
Date	Dec 18, 2020
Book Page	000945/000093

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	34 CEDAR ST, CHARLESTON, SC 29403-4202
Document Number	0729/0756
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	130 DARLINGTON AVE CHARLESTON SC 294033210, CHARLESTON, SC 29403-3210

Mortgage

Document Number	0729/0756
Date	Jun 29, 2018
Book Page	000729/000756

Lender

Name	BEACON COMMUNITY BANK
Address	578 E BAY ST # D, CHARLESTON, SC 29403-6472

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	34 CEDAR ST, CHARLESTON, SC 29403-4202
Document Number	0725/0836
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	130 DARLINGTON AVE CHARLESTON SC 294033210, CHARLESTON, SC 29403-3210

Mortgage

Document Number	0725/0836
Date	Jun 14, 2018
Book Page	000725/000836

Lender

Name	BEACON COMMUNITY BANK
Address	578 E BAY ST # D, CHARLESTON, SC 29403-6472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,496.00 (+12.28%)	$483,000 (+2,775%) Land $191,800 Building $291,200	$542,700 (+29.21%) Land $251,500 Building $291,200
2024	$2,223.00 (+7.55%)	$16,800 (-)
2022	$2,067.00	$16,800	$420,000 (-) Land $159,400 Building $260,600
2020			$420,000 Land $159,400 Building $260,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 112 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	168 units insured incl. 56 condo units
Nearby Flood Claims	11 (1989–2023)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Dec 2023 · river or lake flooding
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Hurricane Hugo, Sep 1989 · 2 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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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