38 Cedar St, Charleston, SC 29403 Property Records

Charleston County property record for 38 Cedar St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1945
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Mar 2025)
Tax Bill	$10,435 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`461-13-03-016`

Property Details

APN / Parcel Number

Primary APN	`461-13-03-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,064 sqft Living Area
Gross Area	1,100 sqft
1st Floor Area	556 sqft
Upper Floors Area	508 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Multi-Family
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Galvanized Metal
Lot Area	1,307 sqft (0.03 acres)
Lot Dimensions	65 ft deep x 23 ft wide
Porch	Slab
Porch Area	90 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 CEDAR ST
City	CHARLESTON
State	SC
Zip	29403-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -5 CEDAR
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 20, 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	38 CEDAR ST, CHARLESTON, SC 29403-4202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 21, 2022	Deed, Subdivision Related Transfer · Conventional Mortgage PRINCETON MORTGAGE CORP
May 21, 2021	Deed, Transfer · Stand-Alone First Mortgage BERMUDA ISLE LLC
Dec 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2025 · Amount on Record
Deed Sale	Mar 18, 2025 · Amount on Record
Prior Sale	Mar 7, 2024 · Amount on Record
Deed Book / Page	1301 / 93
Prior Transfer Date	Apr 5, 2024
Prior Transfer Doc	0012380876
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 7, 2024
Property Address	38 CEDAR ST, CHARLESTON, SC 29403-4202
Document Number	0012310889
Book / Page	1231 / 889
Instrument Date	Feb 27, 2024
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,599.00
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	3768 ORION LN, MT PLEASANT, SC 29466-7547

Mortgage

Document Number	0001231892
Date	Mar 7, 2024
Instrument	1231/892

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

January 2022: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jan 21, 2022
Property Address	38 CEDAR ST, CHARLESTON, SC 29403-4202
Document Number	0010700332
Book / Page	1070 / 332
Instrument Date	Jan 5, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
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	38 CEDAR ST, CHARLESTON, SC 29403-4202

Mortgage

Document Number	0001070338
Date	Jan 21, 2022
Instrument	1070/338

Lender

Name	PRINCETON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 21, 2021
Property Address	38 CEDAR ST, CHARLESTON, SC 29403-4202
Document Number	0009930295
Book / Page	993 / 295
Instrument Date	May 7, 2021
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	SOUTHWESTERN TITLE COMPANY, SOUTHEASTERN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1467 BATTALION DR, CHARLESTON, SC 29412-9618

Mortgage

Document Number	0000993297
Date	May 21, 2021
Instrument	993/297

Lender

Name	BERMUDA ISLE LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Dec 21, 2020
Property Address	38 CEDAR ST, CHARLESTON, SC 29403-4202
Document Number	0945/0709
Book / Page	000945 / 000709
Instrument Date	Dec 17, 2020
Transaction Type	Transfer
Record Updated	Jun 3, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 ASHLEY AVE CHARLESTON SC 294034435, CHARLESTON, SC 29403-4435

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	$10,435.00 (+298.59%)	$625,000 (+3,025%) Land $271,500 Building $353,500	$625,000 (+25%) Land $271,500 Building $353,500
2024	$2,618.00 (-67.36%)	$20,000 (-33.33%)
2022	$8,021.00	$30,000	$500,000 (-) Land $175,000 Building $325,000
2020			$500,000 Land $175,000 Building $325,000

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

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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