342 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 342 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Commercial
Details	448 sqft · built 2004
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on File
Last Sale	$1,700,000 (Feb 2021)
Tax Bill	$34,357 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2025 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`458-01-02-020`

Property Details

APN / Parcel Number

Primary APN	`458-01-02-020`

Interior

Units	4 Units
Stories	4 Stories
Building Area	448 sqft Building Perimeter
Upper Floors Area	448 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	85 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	342 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-1591
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DESCRIPTION -N E E BAY 342 INSPECTION SITE NAME -342 E BAY / OFFICE BLD - STATE FARM INS
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1016
Census Tract	5100

Owner

342 E Bay St, a commercial property, is owned by a company that bought it in February 2021.

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

Owner of Record	Company Name on File
Mailing Address	342 E BAY ST, CHARLESTON, SC 29401-1591
Owner Type	Company
Vesting	Company

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
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit SOUTH ATLANTIC BANK
Aug 22, 2025	Deed of Trust, Mortgage · Line of Credit DONEHUE HOLDINGS INC
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH ATLANTIC BANK
Feb 26, 2021	Warranty Deed, Transfer · Line of Credit BEACON COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2021 · Amount on File
Deed Sale	Feb 26, 2021 · Amount on File
Prior Sale	Dec 30, 2005 · Amount on File
Deed Book / Page	964 / 302
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	342 E BAY ST, CHARLESTON, SC 29401-1591
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 E BAY ST, CHARLESTON, SC 29401-1591

Mortgage

Document Number	0013770697
Date	Mar 25, 2026
Book Page	1377/697

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 24, 2031

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	342 E BAY ST, CHARLESTON, SC 29401-1591
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 E BAY ST, CHARLESTON, SC 29401-1591

Mortgage

Document Number	0013320754
Date	Aug 22, 2025
Book Page	1332/754

Lender

Name	DONEHUE HOLDINGS INC
Type	Non-Lending Institution
Address	SUMMERVILLE, SC 29483

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	342 E BAY ST, CHARLESTON, SC 29401-1591
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 E BAY ST, CHARLESTON, SC 29401-1591

Mortgage

Document Number	0011710135
Date	Mar 31, 2023
Book Page	1171/135

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 29, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Feb 26, 2021
Property Address	342 E BAY ST, CHARLESTON, SC 29401-1591
Document Number	0009640302
Book / Page	964 / 302
Map Reference	MB DC PG 866
Instrument Date	Feb 24, 2021
Transaction Type	Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 E BAY ST, CHARLESTON, SC 29401-1591

Mortgage

Document Number	0000964304
Date	Feb 26, 2021
Instrument	964/304

Lender

Name	BEACON COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 24, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 342 E Bay St was $34,357, up 1.7% 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	$34,357.00 (+1.71%)	$2,084,100 (+1,663.2%) Land $761,120 Building $1,322,980	$2,084,100 Land $761,120 Building $1,322,980
2024	$33,781.00	$118,200
2022	$27,106.00	$102,000	$1,700,000 Land $880,000 Building $820,000
2020			$1,970,000 Land $880,000 Building $1,090,000

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 342 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 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 File median of 292 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	967 units insured incl. 675 condo units
Nearby Flood Claims	55 (1982–2023)
Claims Outside the SFHA	2 of 55
Most Recent Claim	Dec 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 342 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 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 328 locations within half a mile, as of December 31, 2025

Provider	Max 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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