635 E Bay St, #A, Charleston, SC 29403 Property Records

Charleston County property record for 635 E Bay St, #A, Charleston, SC 29403

Property Summary

Property Type	Commercial
Details	7,412 sqft · built 1832
Lot Size	0.93 acres (40,511 sqft)
Owner	Company Name on File
Tax Bill	$39,809 (2025)
Deeds & Mortgages	May 2018 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`459-09-04-001`

Property Details

APN / Parcel Number

Primary APN	`459-09-04-001`

Interior

Units	10 Units
Stories	4 Stories
Building Area	7,412 sqft Finished Area
Gross Area	674 sqft
Upper Floors Area	674 sqft

Exterior

Year Built	Built 1832
Effective Year Built	Effective 1832
Lot Area	40,511 sqft (0.93 acres)
Lot Dimensions	140 ft deep x 289 ft wide
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	635 E BAY ST, A
City	CHARLESTON
State	SC
Zip	29403-5641
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DESCRIPTION -S AMHERST DRAKE ST TO EAST BAY STREET
Legal Subdivision	BAY STREET
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2006
Census Tract	900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Faber House listed 2019 · 3 contributing resources · NRIS 100003689

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

635 E Bay St, #A, a commercial property, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 21878, CHARLESTON, SC 29413-1878
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLESTON SC
Property Address	635 E BAY ST STE A, A, CHARLESTON, SC 29403-5641
Document Number	0721/0608
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21878 CHARLESTON SC 294131878, CHARLESTON, SC 29413-1878

Mortgage

Document Number	0721/0608
Date	May 25, 2018
Book Page	000721/000608

Lender

Name	SOUTH ST BK
Type	Bank
Address	520 GERVAIS ST, COLUMBIA, SC 29201-3046

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 24, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 635 E Bay St, #A was $39,809, up 16% 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	$39,809.00 (+15.97%)	$2,249,486 (+1,816.58%) Land $1,506,347 Building $743,139	$4,823,700 Land $4,046,000 Building $777,700
2024	$34,326.00	$117,370
2022	$31,681.00	$117,370	$4,365,100 Land $2,913,120 Building $1,451,980
2020			$4,365,100 Land $2,913,120 Building $1,451,980

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 635 E Bay St, #A in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 116 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	118 units insured incl. 2 condo units
Nearby Flood Claims	42 (1989–2020)
Claims Outside the SFHA	3 of 42
Most Recent Claim	Sep 2020 · tidal / storm surge
Claims by Event	Hurricane Matthew, Oct 2016 · 5 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims Hurricane Hugo, Sep 1989 · 14 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 635 E Bay St, #A 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 501 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