45 Hanover St, Charleston, SC 29403 Property Records

Charleston County property record for 45 Hanover St, Charleston, SC 29403

Property Summary

Property Type	Townhouse
Details	3 bd · 1 ba · 1,330 sqft · built 1977
Lot Size	0.047 acres (2,070 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Apr 2024)
Tax Bill	$4,993 (2025)
Deeds & Mortgages	Jun 2020 Loan Modification Nov 2017 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`459-05-04-199`

Property Details

APN / Parcel Number

Primary APN	`459-05-04-199`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,330 sqft Living Area
1st Floor Area	665 sqft
Upper Floors Area	665 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Townhouse
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	2,070 sqft (0.047 acres)
Lot Dimensions	90 ft deep x 23 ft wide
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	45 HANOVER ST
City	CHARLESTON
State	SC
Zip	29403-4826
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	DESCRIPTION -45 W HANOVER
Legal Subdivision	W HANOVER
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1023
Census Tract	900

Owner

45 Hanover St, a townhouse, is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	45 HANOVER ST, CHARLESTON, SC 29403-4826
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
Jun 10, 2020	Loan Modification, Mortgage · VA Mortgage MONEY SOURCE
Nov 16, 2017	Deed of Trust, Mortgage · VA Mortgage CONGRESSIONAL BK
Mar 28, 2017	Deed of Trust, Mortgage · VA Mortgage BANK OF ENGLAND
Dec 23, 2016	Deed of Trust, Mortgage · VA Mortgage CBC NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2024 · Amount on File
Deed Sale	Apr 24, 2024 · Amount on File
Deed Book / Page	1241 / 36
Record Updated	Oct 29, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLESTON SC
Property Address	45 HANOVER ST, CHARLESTON, SC 29403-4826
Document Number	0903/0168
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 HANOVER ST CHARLESTON SC 294034826, CHARLESTON, SC 29403-4826

Mortgage

Document Number	0903/0168
Date	Aug 6, 2020
Book Page	000903/000168

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	45 HANOVER ST, CHARLESTON, SC 29403-4826
Document Number	0693/0580
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	RESOURCE R/E SERVICES, RESOURCE R/E SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 HANOVER ST CHARLESTON SC 294034826, CHARLESTON, SC 29403-4826

Mortgage

Document Number	0693/0580
Date	Jan 22, 2018
Book Page	000693/000580

Lender

Name	CONGRESSIONAL BK
Type	Bank
Address	BETHESDA, MD 20817

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 21, 2038

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	45 HANOVER ST, CHARLESTON, SC 29403-4826
Document Number	0629/0847
Book / Page	000629 / 000847
Instrument Date	Mar 28, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017
Title Company	MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HANOVER ST CHARLESTON SC 294034826, CHARLESTON, SC 29403-4826

Mortgage

Document Number	0629/0847
Date	Apr 12, 2017
Book Page	000629/000847

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 11, 2032

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	45 HANOVER ST, CHARLESTON, SC 29403-4826
Document Number	0609/0032
Book / Page	000609 / 000032
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Jan 20, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 HANOVER ST CHARLESTON SC 294034826, CHARLESTON, SC 29403-4826

Mortgage

Document Number	0609/0032
Date	Jan 10, 2017
Book Page	000609/000032

Lender

Name	CBC NAT'L BK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Hanover St was $4,993, up 3,228.7% 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	$4,993.00 (+3,228.67%)	$290,000 Land $275,000 Building $15,000	$290,000 Land $275,000 Building $15,000
2024	$150.00
2022	$99.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Hanover 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 80 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	37 (1989–2024)
Claims Outside the SFHA	3 of 37
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 5 claims Severe Storms And Flooding, Oct 2015 · 5 claims Hurricane Hugo, Sep 1989 · 7 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 45 Hanover 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Home Telecom.

Nearby Properties on Hanover St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures