5 Cedar St, Charleston, SC 29403 Property Records

Charleston County property record for 5 Cedar St, Charleston, SC 29403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,539 sqft · built 2021
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$785,000 (Sep 2022)
Tax Bill	$4,420 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2021 Construction Loan + 3 more
Flood Zone	Zone AE (high risk)
APN	`459-01-01-061`

Property Details

APN / Parcel Number

Primary APN	`459-01-01-061`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,539 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	120 ft deep x 32 ft wide

Location & Zoning

Street Address	5 CEDAR ST
City	CHARLESTON
State	SC
Zip	29403-4227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -S CEDAR DESCRIPTION -LT 73
Legal Subdivision	S CEDAR
Legal Lot Number	73
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2050
Census Tract	5400

Owner

5 Cedar St is owned and occupied by an individual who bought it in September 2022.

Source: Charleston County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	5 CEDAR ST, CHARLESTON, SC 29403-4227
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
Oct 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
May 20, 2021	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Sep 26, 2022	Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 17, 2020	Grant Deed, Transfer ATTORNEY ONLY
Aug 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2022 · Amount on File
Deed Sale	Sep 26, 2022 · Amount on File
Prior Sale	Nov 10, 2021 · Amount on File
Deed Book / Page	1139 / 901
Prior Transfer Date	Jul 20, 2017
Prior Transfer Doc	0656/0143
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Recording Date	Oct 5, 2026
Property Address	5 CEDAR ST, CHARLESTON, SC 29403-4227
Document Number	0000061941
Book / Page	1419 / 924
Instrument Date	Sep 28, 2026
Instrument	202661941
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CEDAR ST, CHARLESTON, SC 29403-4227

Mortgage

Document Number	0000061941,
Date	Oct 5, 2026
Book Page	1419/924
Instrument	202661941

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	5 CEDAR ST, CHARLESTON, SC 29403-4227
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 CONGRESS ST A, A, CHARLESTON, SC 29403-4452

Mortgage

Document Number	0009920998
Date	May 20, 2021
Book Page	992/998

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Sep 26, 2022
Property Address	5 CEDAR ST, CHARLESTON, SC 29403-4227
Document Number	0011390901
Book / Page	1139 / 901
Map Reference	MB Y-143 PG 567
Instrument Date	Sep 16, 2022
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,041.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CEDAR ST, CHARLESTON, SC 29403-4227

Mortgage

Document Number	0001139902
Date	Sep 26, 2022
Instrument	1139/902

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.74%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.74%
Max Rate At Change	6.74%
Index	1-Year T-Bill
Max Rate	10.7%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Oct 17, 2020
Property Address	5 CEDAR ST, CHARLESTON, SC 29403-4227
Document Number	0926/0532
Book / Page	000926 / 000532
Instrument Date	Sep 16, 2020
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$58.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 CONGRESS ST #A CHARLESTON SC 294034452, A, CHARLESTON, SC 29403-4452

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 1, 2017
Property Address	5 CEDAR ST, CHARLESTON, SC 29403-4227
Document Number	0656/0143
Book / Page	000656 / 000143
Instrument Date	Jul 20, 2017
Transaction Type	Transfer
Record Updated	Sep 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12606 KING ARTHUR CT GLENN DALE MD 207698911, GLENN DALE, MD 20769-8911

Tax Assessment & Valuation

The 2025 property tax bill for 5 Cedar St was $4,420, up 9.8% 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	$4,420.00 (+9.84%)	$902,750 (+2,775%) Land $251,500 Building $651,250	$915,200 Land $251,500 Building $663,700
2024	$4,024.00	$31,400
2022	$911.00	$3,450	$57,500 Land $57,500
2020			$785,000 Land $250,000 Building $535,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5 Cedar 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	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 5 Cedar 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 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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