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

Charleston County property record for 620 Bay Tree Ct, Mount Pleasant, SC 29464

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,376 sqft · built 1974
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$512,500 (Mar 2025)
Tax Bill	$1,202 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`517-04-00-146`

Property Details

APN / Parcel Number

Primary APN	`517-04-00-146`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,376 sqft Living Area
Gross Area	1,426 sqft
1st Floor Area	684 sqft
Upper Floors Area	692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Townhouse
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	109 ft deep x 41 ft wide
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	620 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 3 4 PHASE 1
Legal Subdivision	BAY TREE
Legal Phase	1
Legal Lot Number	3-4
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	3
Census Block	3004
Census Tract	4607

Owner

620 Bay Tree Ct, a townhouse, is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	620 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534
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
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Aug 15, 2017	Grant Deed, Transfer · Conventional with PMI BANK OF SC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2025 · Amount on File
Deed Sale	Mar 11, 2025 · Amount on File
Prior Sale	Aug 15, 2017 · Amount on File
Deed Book / Page	1299 / 217
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	620 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09960286
Date	May 27, 2021
Book Page	996/286

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

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

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 15, 2017
Property Address	620 BAY TREE CT, MOUNT PLEASANT, SC 29464-3534
Document Number	0659/0580
Book / Page	000659 / 000580
Instrument Date	Aug 10, 2017
Transaction Type	Transfer
Record Updated	Sep 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 BAYTREE CT MOUNT PLEASANT SC 294643534, MOUNT PLEASANT, SC 29464-3534

Mortgage

Document Number	659/0581
Date	Aug 15, 2017
Book Page	000659/000581

Lender

Name	BANK OF SC
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 620 Bay Tree Ct was $1,202, up 10.8% 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	$1,202.00 (+10.78%)	$275,425 (+2,775%) Land $67,850 Building $207,575	$422,600 Land $140,000 Building $282,600
2024	$1,085.00	$9,580
2022	$969.00	$9,580	$239,500 Land $59,000 Building $180,500
2020			$239,500 Land $59,000 Building $180,500

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 620 Bay Tree Ct in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 620 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.

Nearby Properties on Bay Tree Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures