609 Bay Tree Ct, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 609 Bay Tree Ct, Mount Pleasant, SC 29464

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,368 sqft · built 1973
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Jun 2024)
Tax Bill	$2,013 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`517-04-00-129`

Property Details

APN / Parcel Number

Primary APN	`517-04-00-129`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,368 sqft Living Area
1st Floor Area	684 sqft
Upper Floors Area	684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Townhouse
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	81 ft deep x 27 ft wide
Porch	Slab
Porch Area	162 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	609 BAY TREE CT
City	MOUNT PLEASANT
State	SC
Zip	29464-3534
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	SUBDIVISION NAME -BAY TREE DESCRIPTION -LT 8 1 PHASE 1
Legal Subdivision	BAY TREE
Legal Phase	1
Legal Lot Number	1,8
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	3
Census Block	3004
Census Tract	4607

Owner

609 Bay Tree Ct, a townhouse, is owned and occupied by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	609 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534
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
Nov 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 4, 2021	Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK
Sep 2, 2020	Grant Deed, Construction Loan · Construction Mortgage JOHN F III CARROL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2024 · Amount on File
Deed Sale	Jun 14, 2024 · Amount on File
Prior Sale	Sep 2, 2020 · Amount on File
Deed Book / Page	1251 / 14
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	609 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534
Transaction Type	Mortgage
Record Updated	Nov 20, 2025
Title Company	WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534

Mortgage

Document Number	0013480264
Date	Nov 4, 2025
Book Page	1348/264

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 4, 2021
Property Address	609 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534
Document Number	09660877
Book / Page	966 / 877
Map Reference	MB AF PG 60
Instrument Date	Mar 2, 2021
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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	227 PALMETTO BLF, MOUNT PLEASANT, SC 29464-8290

Mortgage

Document Number	966878
Date	Mar 4, 2021
Instrument	966/878

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Sep 2, 2020
Property Address	609 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534
Document Number	0912/0323
Book / Page	000912 / 000323
Instrument Date	Sep 1, 2020
Transaction Type	Construction Loan
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	609 BAY TREE CT MOUNT PLEASANT SC 294643534, MOUNT PLEASANT, SC 29464-3534

Mortgage

Document Number	912/0325
Date	Sep 2, 2020
Book Page	000912/000325

Lender

Name	JOHN F III CARROL
Address	9901 W HUGUENOT RD, NORTH CHESTERFIELD, VA 23235-2235

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 609 Bay Tree Ct was $2,013, down 54.3% 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	Mount Pleasant Town
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,013.00 (-54.26%)	$505,000 (+4,361.13%) Land $227,303 Building $277,697	$505,000 Land $227,303 Building $277,697
2024	$4,401.00	$11,320
2022	$4,019.00	$16,980	$283,000 Land $96,149 Building $186,851
2020			$283,000 Land $96,149 Building $186,851

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 609 Bay Tree Ct in Zone X, an area of minimal flood risk, though there have been 89 flood claims nearby since 1982.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 177 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	177 in force
Nearby Flood Claims	89 (1982–2025)
Claims Outside the SFHA	36 of 89
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 5 claims Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Hugo, Sep 1989 · 54 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

Wildfire risk around 609 Bay Tree Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 99.1% of South Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MT PLEASANT WATERWORKS serves 91,500 people · EPA ID SC1010002
Water Source	Purchased surface water from CHARLESTON WATER SYSTEM
Last State Inspection	Dec 2022
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 263 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, WOW Internet, Cable & Phone.

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