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645 E Bay St, Charleston, SC 29403 Property Records

Charleston County property record for 645 E Bay St, Charleston, SC 29403

Property Summary

Property TypeCommercial Vacant Land
Details6 bd · 2 ba · 3,018 sqft · built 1880
Lot Size0.11 acres (4,792 sqft)
OwnerCompany Name on File
Last Sale$600,000 (Aug 2024)
Tax Bill$12,213 (2025)
Deeds & MortgagesMay 2026 Mortgage
Sep 2018 Transfer
Flood ZoneZone AE (high risk)
APN459-06-04-021

Property Details

APN / Parcel Number

Primary APN459-06-04-021

Interior

Bedrooms6 Beds
Full Baths2 Baths
Stories2 Stories
Building Area3,018 sqft Finished Area
1st Floor Area1,477 sqft
Upper Floors Area1,541 sqft
Fireplaces3 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialGalvanized Metal
Lot Area4,792 sqft (0.11 acres)
Lot Dimensions160 ft deep x 30 ft wide
PorchOpen Porch
Porch Area64 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone
Heating FuelGas

Location & Zoning

Street Address645 E BAY ST
CityCHARLESTON
StateSC
Zip29403-5643
Property CategoryCommercial
Property TypeVacant Land > Commercial
Legal DescriptionSUBDIVISION NAME -645 EAST BAY ST DESCRIPTION -LT D
Legal Subdivision645 EAST BAY ST
Legal Lot NumberD
JurisdictionCHARLESTON SC
Township / Civil DivisionCHARLESTON CENTRAL
Census Block Group2
Census Block2000
Census Tract900

Owner

645 E Bay St, commercial vacant land, is owned by a company that bought it in August 2024.

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

Owner of RecordCompany Name on File
Mailing Address295 SEVEN FARMS DR, C, DANIEL ISLAND, SC 29492-8088
Owner TypeCompany

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

DateDocument
May 8, 2026Deed of Trust, Mortgage · Conventional Mortgage
NONE LISTED ON DOCUMENT
Sep 4, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 27, 2024 · Amount on File
Deed SaleAug 27, 2024 · Amount on File
Deed Book / Page1264 / 428
Prior Transfer DateAug 28, 2018
Prior Transfer Doc0744/0684
Record UpdatedOct 29, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Recording DateMay 8, 2026
Property Address645 E BAY ST, CHARLESTON, SC 29403-5643
Document Number1387000966
Book / Page1387 / 966
Instrument DateMay 8, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266

Mortgage

Document Number1387000966,
DateMay 8, 2026
Book Page1387/966
Lender
Agreement
TypeConventional Mortgage
AmountAmount on Record
Interest
Rate6.37%
Max Rate-1%

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCHARLESTON SC
Recording DateSep 4, 2018
Property Address645 E BAY ST, CHARLESTON, SC 29403-5643
Document Number0744/0684
Book / Page000744 / 000684
Instrument DateAug 28, 2018
Transaction TypeTransfer
Record UpdatedSep 27, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5204 ELBA DR NORTH CHARLESTON SC 294186813, NORTH CHARLESTON, SC 29418-6813

Tax Assessment & Valuation

The 2025 property tax bill for 645 E Bay St was $12,213, up 78.4% from the year before.

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

TypeName
StateSouth Carolina
CountyCharleston County
MunicipalityCharleston City
Unified School DistrictCharleston County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$12,213.00 (+78.4%)$600,000 (+2,385.5%) Land $600,000$600,000 Land $600,000
2024$6,846.00$24,140
2022$6,374.00$24,140$456,000 Land $456,000
2020$456,000 Land $456,000

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 645 E Bay St 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 116 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies118 units insured
incl. 2 condo units
Nearby Flood Claims42 (1989–2020)
Claims Outside the SFHA3 of 42
Most Recent ClaimSep 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 645 E Bay St 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 RiskNot 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 SystemCHARLESTON WATER SYSTEM
serves 278,771 people · EPA ID SC1010001
Water SourceSurface water
Last State InspectionFeb 2024
Lead4 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and ReportingNone
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

ProviderMax 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

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