55 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 55 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,430 sqft · built 1785
Lot Size	0.193 acres (8,429 sqft)
Owner	2 Individual Names on File
Last Sale	$8,400,000 (Feb 2026)
Tax Bill	$17,922 (2025)
Deeds & Mortgages	Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`458-13-01-068`

Property Details

APN / Parcel Number

Primary APN	`458-13-01-068`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,430 sqft Living Area
1st Floor Area	715 sqft
Upper Floors Area	4,141 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1785
Effective Year Built	Effective 1785
Architectural Style	Condo/Apartment
Exterior Material	Brick
Lot Area	8,429 sqft (0.193 acres)
Porch	Porch
Porch Area	820 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	55 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPPLATB Y MAPPLATP 126 SUBDIVISIONNAME CITY OF CHARLESTON LOT 1 & 2
Legal Subdivision	55 EAST BAY STREET
Legal Lot Number	1-2
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2000
Census Tract	200

Owner

55 E Bay St is owned and occupied by two individuals who bought it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	55 E BAY ST, CHARLESTON, SC 29401-2546
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
	Deed of Trust, Mortgage
Sep 22, 2020	Deed of Trust, Mortgage WELLS FARGO BK
Dec 22, 2017	Deed of Trust, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2026 · Amount on File
Deed Sale	Feb 3, 2026 · Amount on File
Prior Sale	Feb 27, 2014 · Amount on File
Deed Book / Page	1367 / 35
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	55 E BAY ST, CHARLESTON, SC 29401-2546
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	55 E BAY ST, CHARLESTON, SC 29401-2546
Document Number	0919/0753
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 E BAY ST CHARLESTON SC 294012546, CHARLESTON, SC 29401-2546

Mortgage

Document Number	0919/0753
Date	Sep 29, 2020
Book Page	000919/000753

Lender

Name	WELLS FARGO BK
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 28, 2040

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	55 E BAY ST, CHARLESTON, SC 29401-2546
Document Number	0688/0959
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 E BAY ST CHARLESTON SC 294012546, CHARLESTON, SC 29401-2546

Mortgage

Document Number	0688/0959
Date	Dec 28, 2017
Book Page	000688/000959

Lender

Name	WELLS FARGO BK
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 27, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 55 E Bay St was $17,922, up 7.5% 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	$17,922.00 (+7.5%)	$3,835,250 (+2,775%) Land $1,386,590 Building $2,448,660	$6,021,900 Land $1,995,500 Building $4,026,400
2024	$16,671.00	$133,400
2022	$15,767.00	$133,400	$3,770,000 Land $1,363,000 Building $2,407,000
2020			$3,770,000 Land $1,363,000 Building $2,407,000

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 55 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 55 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 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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