Charleston County property record for 485 E Bay St, Charleston, SC 29403
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 559 sqft · built 1849 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Company Name on File |
| Tax Bill | $38,020 (2025) |
| Deeds & Mortgages | May 2019 Line of Credit Apr 2018 Sale & Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 459-13-04-044 |
| Primary APN | 459-13-04-044 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 559 sqft Living Area |
| Year Built | Built 1849 |
|---|---|
| Effective Year Built | Effective 1849 |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 265 ft deep x 61 ft wide |
| Heating System | Heat Pump |
|---|
| Street Address | 485 E BAY ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29403-6535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAPPLATB L19 MAPPLATP 0139 SUBDIVISIONNAME CITY OF CHARLESTON LOT A |
| Legal Subdivision | CITY OF CHARLESTON |
| Legal Lot Number | A |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | CHARLESTON CENTRAL |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 5100 |
485 E Bay St is owned by a company that acquired it in September 2021.
Source: Charleston County records, as of August 1, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1000 2ND AVE S, 310, NORTH MYRTLE BEACH, SC 29582-8105 |
| 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.
| Date | Document |
|---|---|
| May 31, 2019 | Grant Deed, Mortgage · Line of Credit WESTERN ALLIANCE BK |
| Apr 3, 2018 | Grant Deed, Construction Loan · Line of Credit WESTERN ALLIANCE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2021 |
| Deed Sale | Sep 18, 2021 |
| Prior Sale | Aug 13, 2021 |
| Deed Book / Page | 1033 / 927 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | May 31, 2019 |
| Property Address | 485 E BAY ST, CHARLESTON, SC 29403-6535 |
| Book / Page | 000798 / 000906 |
| Instrument Date | May 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1000 2ND AVE S #310 NORTH MYRTLE BEACH SC 295828105, 310, NORTH MYRTLE BEACH, SC 29582-8105 |
| Document Number | 0798/0906 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 000798/000906 |
| Name | WESTERN ALLIANCE BK |
|---|---|
| Type | Bank |
| Address | 1 E WASHINGTON ST # 1400, PHOENIX, AZ 85004-2559 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Apr 3, 2018 |
| Property Address | 485 E BAY ST, CHARLESTON, SC 29403-6535 |
| Document Number | 0709/0062 |
| Book / Page | 000709 / 000062 |
| Instrument Date | Mar 29, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20,000.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1000 2ND AVE S #310 NORTH MYRTLE BEACH SC 295828105, 310, NORTH MYRTLE BEACH, SC 29582-8105 |
| Document Number | 709/0066 |
|---|---|
| Date | Apr 3, 2018 |
| Book Page | 000709/000066 |
| Name | WESTERN ALLIANCE BK |
|---|---|
| Type | Bank |
| Address | 1 E WASHINGTON ST # 1400, PHOENIX, AZ 85004-2559 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 485 E Bay St was $38,020, up 11.7% from the year before.
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 | $38,020.00 (+11.72%) | ||
| 2024 | $34,032.00 | $120,000 | |
| 2022 | $54,059.00 | $120,000 | $2,000,000 Land $2,000,000 |
| 2020 | $2,000,000 Land $2,000,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 485 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 | 10.0 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 |
|
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.
The area around 485 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.
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 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 |
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