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727 Waterloo St, Charleston, SC 29412 Property Records

Charleston County property record for 727 Waterloo St, Charleston, SC 29412 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,074 sqft · built 1965
Lot Size0.45 acres (19,602 sqft)
OwnerIndividual Name on File
Last Sale$179,500 (Dec 2001)
Tax Bill$1,867 (2025)
Deeds & MortgagesNov 2020 Line of Credit
Sep 2019 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN454-05-00-064

Property Details

APN / Parcel Number

Primary APN454-05-00-064

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,074 sqft Living Area
1st Floor Area2,074 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Architectural StyleRanch
Exterior MaterialBrick Veneer
Roof TypeGable
Roof MaterialAsphalt
Lot Area19,602 sqft (0.45 acres)
Lot Dimensions175 ft deep x 113 ft wide
Garage TypeMixed
Garage Area876 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area216 sqft
Shed1 Shed
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address727 WATERLOO ST
CityCHARLESTON
StateSC
Zip29412-5055
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUBDIVISION NAME -STILES POINT DESCRIPTION -LT 7 BLK A PART 2 PORTION 4
Legal SubdivisionSTILES POINT
Legal BlockA
Legal Lot Number7
JurisdictionCHARLESTON SC
Township / Civil DivisionJAMES ISLAND
Census Block Group1
Census Block1095
Census Tract2007

Owner

Source: Charleston County records · APN 454-05-00-064

Assessment roll updated August 1, 2025 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address727 WATERLOO ST, CHARLESTON, SC 29412-5055
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 05, 2020Deed of Trust, Mortgage · Line of Credit
FIRST PALMETTO BK
Sep 13, 2019Deed of Trust, Mortgage · Conventional Mortgage
SOUTHERN FIRST BK NA
Dec 15, 2017Deed of Trust, Mortgage · Line of Credit
CRESCOM BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 19, 2001 · Amount on Record
Deed SaleDec 19, 2001 · Amount on Record
Deed Book / Page391 / 741
Last Transfer DateFeb 28, 2011
Transfer Doc0176/0307
Record UpdatedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address727 WATERLOO ST, CHARLESTON, SC 29412-5055
Document Number0935/0004
Instrument DateNov 05, 2020
Transaction TypeMortgage
Record UpdatedJan 08, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address727 WATERLOO ST CHARLESTON SC 294125055, CHARLESTON, SC 29412-5055

Mortgage

Document Number0935/0004
DateNov 13, 2020
Book Page000935/000004
Lender
NameFIRST PALMETTO BK
TypeBank
AddressCAMDEN, SC 29020
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueNov 12, 2050
Interest
Rate TypeAdjustable Rate

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address727 WATERLOO ST, CHARLESTON, SC 29412-5055
Document Number0823/0158
Instrument DateSep 13, 2019
Transaction TypeMortgage
Record UpdatedOct 21, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address727 WATERLOO ST CHARLESTON SC 294125055, CHARLESTON, SC 29412-5055

Mortgage

Document Number0823/0158
DateSep 20, 2019
Book Page000823/000158
Lender
NameSOUTHERN FIRST BK NA
TypeBank
AddressCAYCE, SC 29033
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 19, 2049

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address727 WATERLOO ST, CHARLESTON, SC 29412-5055
Document Number0688/0897
Book / Page000688 / 000897
Instrument DateDec 15, 2017
Transaction TypeMortgage
Record UpdatedJan 18, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address727 WATERLOO ST CHARLESTON SC 294125055, CHARLESTON, SC 29412-5055

Mortgage

Document Number0688/0897
DateDec 28, 2017
Book Page000688/000897
Lender
NameCRESCOM BK
TypeBank
AddressCHARLESTON, SC 29401
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueDec 27, 2027
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Charleston County records · Assessment roll updated August 1, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyCharleston County
MunicipalityJames Island Town
Unified School DistrictCharleston County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,867.00 (+19.76%)
2024$1,559.00 (+10.18%)$12,830 (-)
2022$1,415.00$12,830$375,557 (-) Land $131,357 Building $244,200
2020$375,557 Land $131,357 Building $244,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charleston County (45019C), updated September 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450190020071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 217 individual NFIP policies nearby
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies217 in force
199 of 217 on primary residences
Nearby Flood Claims150 (1978–2024)
Claims Outside the SFHA16 of 150
Most Recent ClaimMar 2024, rainfall accumulation
Flood Events
  • Hurricane Irma (Sep 2017), 11 claims
  • Severe Storms And Flooding (Oct 2015), 13 claims
  • Hurricane Hugo (Sep 1989), 100 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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