643 Bay Tree Cir, Mount Pleasant, SC 29464 Property Records

Charleston County property record for 643 Bay Tree Cir, Mount Pleasant, SC 29464

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,254 sqft · built 1979
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on File
Last Sale	$315,000 (May 2022)
Tax Bill	$5,441 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`517-04-00-205`

Property Details

APN / Parcel Number

Primary APN	`517-04-00-205`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,254 sqft Living Area
Gross Area	1,344 sqft
1st Floor Area	627 sqft
Upper Floors Area	627 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Townhouse
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	82 ft deep x 19 ft wide
Porch	Slab
Porch Area	76 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	643 BAY TREE CIR
City	MOUNT PLEASANT
State	SC
Zip	29464-3535
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	SUBDIVISION NAME -BAY TREE DESCRIPTION -UNIT B LOT B MASTER LOT 5
Legal Subdivision	BAY TREE
Legal Lot Number	B,5
Jurisdiction	CHARLESTON SC
Township / Civil Division	MOUNT PLEASANT
Census Block Group	3
Census Block	3005
Census Tract	4607

Owner

643 Bay Tree Cir, a townhouse, is owned by a company that acquired it in January 2023.

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

Owner of Record	Company Name on File
Mailing Address	178 HOBCAW DR, MOUNT PLEASANT, SC 29464-2545
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

Date	Document
Jan 30, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 30, 2023	Quit Claim Deed, Transfer Quitclaim
May 9, 2022	Deed, Transfer · Line of Credit SOUTH ATLANTIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Prior Sale	Sep 10, 2015 · Amount on File
Deed Book / Page	1107 / 357
Last Transfer Date	Jan 20, 2023
Transfer Doc	0011610097
Record Updated	Oct 29, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jan 30, 2023
Property Address	643 BAY TREE CIR, MOUNT PLEASANT, SC 29464-3535
Document Number	0011610097
Book / Page	1161 / 97
Map Reference	MB AO PG 33
Instrument Date	Jan 20, 2023
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 HOBEAW DRIVE, MOUNT PLEASANT, SC 29464-2545

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jan 30, 2023
Property Address	643 BAY TREE CIR, MOUNT PLEASANT, SC 29464-3535
Document Number	0011610097
Book / Page	1161 / 97
Map Reference	MB AO PG 33
Instrument Date	Jan 20, 2023
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 HOBEAW DRIVE, MT PLEASANT, SC 29464-2545

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	May 9, 2022
Property Address	643 BAY TREE CIR, MOUNT PLEASANT, SC 29464-3535
Document Number	0011070357
Book / Page	1107 / 357
Map Reference	MB AO PG 33
Instrument Date	Apr 20, 2022
Transaction Type	Transfer
Record Updated	Aug 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 HOBCAW DR, MT PLEASANT, SC 29464-2545

Mortgage

Document Number	0001107358
Date	May 9, 2022
Instrument	1107/358

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Apr 25, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 643 Bay Tree Cir was $5,441, up 12.1% 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	$5,441.00 (+12.14%)	$362,250 (+1,816.67%) Land $123,136 Building $239,114	$418,700 Land $140,000 Building $278,700
2024	$4,852.00	$18,900
2022	$2,654.00	$11,040	$238,500 Land $59,000 Building $179,500
2020			$315,000 Land $107,075 Building $207,925

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 643 Bay Tree Cir 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 643 Bay Tree Cir 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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