51 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 51 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 10,394 sqft · built 1799
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Company Names on File
Last Sale	$21,028,560 (Oct 2025)
Tax Bill	$175,763 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2025 Sale
Flood Zone	Zone X (moderate risk)
APN	`458-13-01-071`

Property Details

APN / Parcel Number

Primary APN	`458-13-01-071`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Stories	2 Stories
Building Area	10,394 sqft Living Area
Gross Area	5,439 sqft
1st Floor Area	3,937 sqft
Upper Floors Area	8,301 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1799
Effective Year Built	Effective 1799
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Galvanized Metal
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	227 ft deep x 101 ft wide
Garage Type	Carport
Garage Area	1,100 sqft
Carport	Carport
Carport Area	1,100 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	408 sqft
Porch	Open Porch
Porch Area	4,168 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	51 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -51 EAST BAY
Legal Subdivision	SOB-EAST, WARD-1
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2000
Census Tract	200

Owner

51 E Bay St is owned by a company that bought it in October 2025.

Source: Charleston County records, as of October 20, 2026

Owner of Record	2 Company Names on File
Mailing Address	51 E BAY ST, CHARLESTON, SC 29401-2546
Owner Type	Company
Vesting	Limited Liability Partnership

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
Mar 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Oct 31, 2025	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Deed Book / Page	1347 / 208
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	51 E BAY ST, CHARLESTON, SC 29401-2546
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RUTLEDGE AVE, CHARLESTON, SC 29401-1332

Mortgage

Document Number	0013740013
Date	Mar 9, 2026
Book Page	1374/13

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.95%
Index	SOFR Average 30-Day
Margin	3
Max Rate	8.95%

October 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Oct 31, 2025
Property Address	51 E BAY ST, CHARLESTON, SC 29401-2546
Document Number	0013470208
Book / Page	1347 / 208
Map Reference	MB D-35 PG 233
Instrument Date	Oct 31, 2025
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount on Record
Tax	$54,675.40
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	51 E BAY ST, CHARLESTON, SC 29401-2546

Tax Assessment & Valuation

The 2025 property tax bill for 51 E Bay St was $175,763, up 9.9% 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	$175,763.00 (+9.86%)	$10,791,335 (+1,816.65%) Land $4,465,900 Building $6,325,435	$12,756,000 Land $4,465,900 Building $8,290,100
2024	$159,990.00	$563,030
2022	$148,887.00	$563,030	$10,607,800 Land $4,872,900 Building $5,734,900
2020			$10,607,800 Land $4,872,900 Building $5,734,900

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 51 E Bay St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File median of 285 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	395 units insured incl. 110 condo units
Nearby Flood Claims	509 (1979–2024)
Claims Outside the SFHA	2 of 509
Most Recent Claim	Mar 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 94 claims Hurricane Matthew, Oct 2016 · 94 claims Hurricane Hugo, Sep 1989 · 222 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 51 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 411 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile.

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