56 State St, Charleston, SC 29401 Property Records

Charleston County property record for 56 State St, Charleston, SC 29401

Property Summary

Property Type	Commercial
Details	3,192 sqft · built 1980
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$4,750,000 (Mar 2023)
Tax Bill	$67,261 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2023 Sale & Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`458-05-03-108`

Property Details

APN / Parcel Number

Primary APN	`458-05-03-108`

Interior

Stories	1 Story
Building Area	3,192 sqft Total Area
1st Floor Area	2,300 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	85 ft deep x 82 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	56 STATE ST
City	CHARLESTON
State	SC
Zip	29401-2023
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	MAPPLATB S17 MAPPLATP 0071 SUBDIVISIONNAME CITY OF CHARLESTON LOT 22
Legal Subdivision	TRACT B
Legal Tract	B
Legal Lot Number	22
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1048
Census Tract	5100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	71 COMMERCIAL ST, BOSTON, MA 02109-1320
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit SOUTH ATLANTIC BANK
Mar 16, 2023	Limited Warranty Deed, Transfer · Line of Credit SOUTH ATLANTIC BANK
May 24, 2021	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Jul 10, 2018	Deed of Trust, Mortgage UNITED CMNTY BK
Jun 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2023 · Amount on Record
Deed Sale	Mar 16, 2023 · Amount on Record
Deed Book / Page	1168 / 728
Prior Transfer Date	Apr 25, 2017
Prior Transfer Doc	0645/0635
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	56 STATE ST, CHARLESTON, SC 29401-2023
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 COMMERCIAL ST 266, BOSTON, MA 02109-1320

Mortgage

Document Number	0013680729
Date	Feb 11, 2026
Book Page	1368/729

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 16, 2023
Property Address	56 STATE ST, CHARLESTON, SC 29401-2023
Document Number	0011680728
Book / Page	1168 / 728
Map Reference	MB S17 PG 71
Instrument Date	Mar 14, 2023
Transaction Type	Transfer
Record Updated	May 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,350.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 COMMERCIAL ST # 266, 266, BOSTON, MA 02109-1320

Mortgage

Document Number	0011680731
Date	Mar 16, 2023
Book Page	1168/731

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	56 STATE ST, CHARLESTON, SC 29401-2023
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09940225
Date	May 24, 2021
Book Page	994/225

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	72 Months
Due	May 6, 2027

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	56 STATE ST, CHARLESTON, SC 29401-2023
Document Number	0734/0074
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	215 E BAY ST CHARLESTON SC 294012633, CHARLESTON, SC 29401-2633

Mortgage

Document Number	0734/0074
Date	Jul 18, 2018
Book Page	000734/000074

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Amount	Amount Recorded

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 15, 2017
Property Address	56 STATE ST, CHARLESTON, SC 29401-2023
Document Number	0645/0635
Book / Page	000645 / 000635
Instrument Date	Apr 25, 2017
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	215 E BAY ST #504 CHARLESTON SC 294012638, 504, CHARLESTON, SC 29401-2638

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	$67,261.00 (+10.96%)	$4,096,874 (+1,816.67%) Land $4,096,702 Building $172	$4,750,000 (+83.09%) Land $4,749,800 Building $200
2024	$60,619.00 (+73.58%)	$213,750 (+91.86%)
2022	$34,923.00	$111,410	$2,594,400 (-45.38%) Land $2,392,500 Building $201,900
2020			$4,750,000 Land $4,749,800 Building $200

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 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 Record 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	Hurricane Irma, Sep 2017 · 8 claims Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Hugo, Sep 1989 · 23 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 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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