55 Smith St, Charleston, SC 29401 Property Records

Charleston County property record for 55 Smith St, Charleston, SC 29401

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,008 sqft · built 1895
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,495,000 (Jan 2022)
Tax Bill	$9,375 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2022 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`457-03-02-107`

Property Details

APN / Parcel Number

Primary APN	`457-03-02-107`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,008 sqft Living Area
Gross Area	3,038 sqft
1st Floor Area	1,444 sqft
Upper Floors Area	1,564 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Victorian
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asbestos
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	125 ft deep x 39 ft wide
Porch	Slab
Porch Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	55 SMITH ST
City	CHARLESTON
State	SC
Zip	29401-1329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -55 W SMITH ST
Legal Subdivision	55 W SMITH ST
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1010
Census Tract	500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	55 SMITH ST, CHARLESTON, SC 29401-1329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE BANK OF SOUTH CAROLINA
Jan 12, 2022	Deed, Transfer
Aug 4, 2020	Grant Deed, Transfer ATTORNEY ONLY
May 8, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2022 · Amount on Record
Deed Sale	Jan 12, 2022 · Amount on Record
Prior Sale	Aug 4, 2020 · Amount on Record
Deed Book / Page	1067 / 407
Prior Transfer Date	Sep 5, 2012
Prior Transfer Doc	0279/0323
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	55 SMITH ST, CHARLESTON, SC 29401-1329
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011020078
Date	Apr 20, 2022
Book Page	1102/78

Lender

Name	THE BANK OF SOUTH CAROLINA
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jan 12, 2022
Property Address	55 SMITH ST, CHARLESTON, SC 29401-1329
Document Number	0010670407
Book / Page	1067 / 407
Instrument Date	Dec 10, 2021
Transaction Type	Transfer
Record Updated	Mar 24, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 SMITH ST, CHARLESTON, SC 29401-1329

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 4, 2020
Property Address	55 SMITH ST, CHARLESTON, SC 29401-1329
Document Number	0902/0142
Book / Page	000902 / 000142
Instrument Date	Jul 28, 2020
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,165.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	501 PRESTON AVE PRUE OK 74060, PRUE, OK 74060

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	55 SMITH ST, CHARLESTON, SC 29401-1329
Document Number	0717/0939
Instrument Date	May 8, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	55 SMITH ST CHARLESTON SC 294011329, CHARLESTON, SC 29401-1329

Mortgage

Document Number	0717/0939
Date	May 10, 2018
Book Page	000717/000939

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 9, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$9,375.00 (+8.21%)	$1,983,750 (+2,775%) Land $632,500 Building $1,351,250	$2,131,900 (+42.6%) Land $716,900 Building $1,415,000
2024	$8,664.00 (+21.96%)	$69,000 (+15.38%)
2022	$7,104.00	$59,800	$1,495,000 (-13.33%) Land $550,000 Building $945,000
2020			$1,725,000 Land $550,000 Building $1,175,000

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

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 Record median of 172 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	210 units insured incl. 38 condo units
Nearby Flood Claims	306 (1978–2025)
Claims Outside the SFHA	1 of 306
Most Recent Claim	Aug 2025 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 41 claims Hurricane Matthew, Oct 2016 · 24 claims Hurricane Hugo, Sep 1989 · 171 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

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 680 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

May also be available: Home Telecom.

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