7 State St, Charleston, SC 29401 Property Records

Charleston County property record for 7 State St, Charleston, SC 29401

Property Summary

Property Type	Commercial
Details	1,711 sqft · built 1819
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$2,850,000 (Jul 2022)
Tax Bill	$24,902 (2022)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2022 Sale & Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`458-09-03-025`

Property Details

APN / Parcel Number

Primary APN	`458-09-03-025`

Interior

Stories	2 Stories
Building Area	1,711 sqft
1st Floor Area	1,901 sqft
2nd Floor Area	1,711 sqft

Exterior

Year Built	Built 1819
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	75 ft deep x 34 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	7 STATE ST
City	CHARLESTON
State	SC
Zip	29401-3008
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LEGAL DESCRIPTION DESCRIPTION -7 STATE PLATSUFFIX N-86 POLTWP 002
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1026
Census Tract	200

Owner

Source: Charleston County records, as of July 17, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9 ELLIOTT ST, CHARLESTON, SC 29401-2528
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jul 22, 2022	Limited Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 23, 2021	Deed, Transfer · Stand-Alone First Mortgage LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Feb 23, 2021 · Amount on Record
Deed Document Number	0001125949
Deed Book / Page	1125 / 949
Record Updated	Jun 7, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	7 STATE ST, CHARLESTON, SC 29401-3008
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 ELLIOTT ST, CHARLESTON, SC 29401-2528

Mortgage

Document Number	0011250952
Date	Jul 22, 2022
Book Page	1125/952

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate

July 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jul 22, 2022
Property Address	7 STATE ST, CHARLESTON, SC 29401-3008
Document Number	0011250949
Book / Page	1125 / 949
Map Reference	MB N PG 086
Instrument Date	Jul 21, 2022
Transaction Type	Transfer
Record Updated	Oct 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,410.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 ELLIOTT ST, CHARLESTON, SC 29401-2528

Mortgage

Document Number	0011250951
Date	Jul 22, 2022
Book Page	1125/951

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLESTON SC
Recording Date	Feb 23, 2021
Property Address	7 STATE ST, CHARLESTON, SC 29401-3008
Document Number	09620975
Book / Page	962 / 975
Instrument Date	Feb 12, 2021
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 CHANNEL CREEK CT, MOUNT PLEASANT, SC 29464-8120

Mortgage

Document Number	962976
Date	Feb 23, 2021
Instrument	962/976

Lender

Name	LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 17, 2022

Tax Assessment & Valuation

Source: Charleston County assessment roll, as of September 13, 2022

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
2022	$24,902.00	$93,000	$1,550,000 Land $550,000 Building $1,000,000

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

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 185 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	293 units insured incl. 108 condo units
Nearby Flood Claims	145 (1979–2024)
Claims Outside the SFHA	21 of 145
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Severe Storms And Flooding, Oct 2015 · 14 claims Hurricane Hugo, Sep 1989 · 88 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

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 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on State St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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