480 E Bay St, Charleston, SC 29403 Property Records

Charleston County property record for 480 E Bay St, Charleston, SC 29403

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	28,608 sqft · built 1995
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Company Names on File
Last Sale	$5,750,000 (Jan 2006)
Tax Bill	$120,134 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`459-13-04-016`

Property Details

APN / Parcel Number

Primary APN	`459-13-04-016`

Interior

Units	6 Units
Stories	2 Stories
Building Area	28,608 sqft Total Area
Overhead Door	Overhead Door

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	44,867 sqft (1.03 acres)
Lot Dimensions	80 ft deep x 35 ft wide
Terrain	High

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	480 E BAY ST
City	CHARLESTON
State	SC
Zip	29403-6356
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	MAPPLATB L14 MAPPLATP 0398 SUBDIVISIONNAME CITY OF CHARLESTON
Legal Subdivision	SE CHARLOTTE AND EAST BAY
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1004
Census Tract	5100

Owner

480 E Bay St, a commercial property, is owned by a company that bought it in January 2006.

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

Owner of Record	2 Company Names on File
Mailing Address	40 CALHOUN ST, 500, CHARLESTON, SC 29401-3530
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2006 · Amount on File
Deed Sale	Jan 4, 2006 · Amount on File
Deed Book / Page	568 / 527
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	480 E BAY ST, CHARLESTON, SC 29403-6356
Document Number	0869/0543
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 CALHOUN ST #500 CHARLESTON SC 294013530, 500, CHARLESTON, SC 29401-3530

Mortgage

Document Number	0869/0543
Date	Mar 25, 2020
Book Page	000869/000543

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	40 W BROAD ST # 510, GREENVILLE, SC 29601-2600

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 480 E Bay St was $120,134, up 29.5% 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	$120,134.00 (+29.47%)	$6,235,587 (+1,816.64%) Land $6,235,586 Building $1	$9,926,857 Land $9,926,657 Building $200
2024	$92,786.00	$325,340
2022	$86,255.00	$325,340	$9,545,062 Land $9,544,862 Building $200
2020			$9,545,062 Land $9,544,862 Building $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 480 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 480 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 501 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20