345 Sumter St, Charleston, SC 29403 Property Records

Charleston County property record for 345 Sumter St, Charleston, SC 29403

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 3,272 sqft · built 1930
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Aug 2025)
Tax Bill	$6,994 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Aug 2025 Sale
Flood Zone	Zone X (moderate risk)
APN	`460-04-03-025`

Property Details

APN / Parcel Number

Primary APN	`460-04-03-025`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,272 sqft Total Area
1st Floor Area	1,636 sqft
Upper Floors Area	1,636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	882 sqft
Deck Area	147 sqft
Patio Area	294 sqft
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	345 SUMTER ST
City	CHARLESTON
State	SC
Zip	29403-2608
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SUBDIVISION NAME -345 SUMTER ST DESCRIPTION -LT 1 BLK E
Legal Subdivision	345 SUMTER ST
Legal Block	E
Legal Lot Number	1
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1032
Census Tract	5300

Owner

345 Sumter St, a duplex, is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	345 SUMTER ST, CHARLESTON, SC 29403-2608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 19, 2025	Deed, Transfer · Conventional Mortgage SOUTH CAROLINA FCU
Aug 19, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2025 · Amount on File
Deed Sale	Aug 19, 2025 · Amount on File
Prior Sale	Aug 19, 2025 · Amount on File
Prior Transfer Date	Dec 19, 2000
Prior Transfer Doc	0R360/0547
Record Updated	Oct 29, 2026

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 19, 2025
Property Address	345 SUMTER ST, CHARLESTON, SC 29403-2608
Document Number	0013320098
Book / Page	1332 / 98
Map Reference	MB B PG 161
Instrument Date	Aug 13, 2025
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,510.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	395 SUMTER ST, CHARLESTON, SC 29403-4639

Mortgage

Document Number	0000133299
Date	Aug 19, 2025
Instrument	1332/99

Lender

Name	SOUTH CAROLINA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 19, 2025
Property Address	345 SUMTER ST, CHARLESTON, SC 29403-2608
Document Number	0013320096
Book / Page	1332 / 96
Map Reference	MB B PG 161
Instrument Date	Aug 12, 2025
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount on Record
Tax	$3,094.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 SUMTER ST, CHARLESTON, SC 29403-2608

Tax Assessment & Valuation

The 2025 property tax bill for 345 Sumter St was $6,994, up 10.9% 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	$6,994.00 (+10.93%)	$638,768 (+2,200.21%) Land $250,276 Building $388,492	$1,317,500 Land $429,800 Building $887,700
2024	$6,305.00	$27,770
2022	$5,840.00	$27,770	$891,500 Land $349,300 Building $542,200
2020			$891,500 Land $349,300 Building $542,200

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 345 Sumter 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 345 Sumter 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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