Charleston County property record for 765 Waterloo St, Charleston, SC 29412 · Last verified December 2023
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,528 sqft · built 1973 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $1,247 (2022) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 454-05-00-090 |
| Primary APN | 454-05-00-090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 23,958 sqft (0.55 acres) |
| Lot Dimensions | 201 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 482 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 55 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 765 WATERLOO ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29412-5057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEGAL DESCRIPTION SUBDIVISION NAME -STILES POINT DESCRIPTION -LT 4 BLK D PART 4 PORTION 4 PLATSUFFIX U-77 POLTWP 009 |
| Legal Subdivision | STILES POINT |
| Legal Block | D |
| Legal Lot Number | 4 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 1 |
| Census Block | 1096 |
| Census Tract | 2007 |
Source: Charleston County records · APN 454-05-00-090
Assessment roll updated September 13, 2022 · Last verified December 2023
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| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 765 WATERLOO ST, CHARLESTON, SC 29412-5057 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Nov 18, 2020 | Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Prior Sale | Apr 25, 2002 |
| Last Transfer Date | Feb 17, 2005 |
| Transfer Doc | C526/0311 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 765 WATERLOO ST, CHARLESTON, SC 29412-5057 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0010060272 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | 1006/272 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 765 WATERLOO ST, CHARLESTON, SC 29412-5057 |
| Document Number | 0938/0394 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 765 WATERLOO ST CHARLESTON SC 294125057, CHARLESTON, SC 29412-5057 |
| Document Number | 0938/0394 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 000938/000394 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 23, 2050 |
Source: Charleston County records · Assessment roll updated September 13, 2022 · Last verified December 2023
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | James Island Town |
| Unified School District | Charleston County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | $1,247.00 | $11,130 | $307,190 Land $132,790 Building $174,400 |
Source: FEMA National Flood Hazard Layer, Charleston County (45019C), updated September 9, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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