Charleston County property record for 45 Held Cir, Charleston, SC 29412
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,728 sqft · built 1993 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,652 (2025) |
| Deeds & Mortgages | Oct 2019 Loan Modification |
| Flood Zone | Zone X (moderate risk) |
| APN | 425-05-00-053 |
| Primary APN | 425-05-00-053 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,728 sqft Living Area |
| 1st Floor Area | 1,728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 125 ft deep x 89 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 134 sqft |
| Shed | 1 Shed |
| Shed Area | 208 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|
| Street Address | 45 HELD CIR |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29412-3705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -CREEK POINT DESCRIPTION -LT 22 BLK D |
| Legal Subdivision | CREEK POINT |
| Legal Block | D |
| Legal Lot Number | 22 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 2002 |
Source: Charleston County records, as of September 23, 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 | 45 HELD CIR, CHARLESTON, SC 29412-3705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 23, 2013 |
| Transfer Doc | 0339/0199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 45 HELD CIR, CHARLESTON, SC 29412-3705 |
| Document Number | 0849/0436 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 45 HELD CIR CHARLESTON SC 294123705, CHARLESTON, SC 29412-3705 |
| Document Number | 0849/0436 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 000849/000436 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | LAKE ZURICH, IL 60047 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 30, 2059 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Charleston City |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,652.00 (-63.88%) | $298,885 (+1,815.93%) Land $116,440 Building $182,445 | $425,800 (+32.81%) Land $131,500 Building $294,300 |
| 2024 | $4,574.00 (+8.44%) | $15,600 (-) | |
| 2022 | $4,218.00 | $15,600 | $320,600 (-) Land $124,900 Building $195,700 |
| 2020 | $320,600 Land $124,900 Building $195,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 214 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 402 units insured incl. 188 condo units |
| Nearby Flood Claims | 9 (2015–2023) |
| Most Recent Claim | Dec 2023 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 96% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 390 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: WOW Internet, Cable & Phone.
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