Charleston County property record for 78 E Bay St, Charleston, SC 29401
| Property Type | Row House |
|---|---|
| Details | 4 bd · 4.5 ba · 4,472 sqft · built 1800 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $4,083,750 (May 2022) |
| Tax Bill | $76,578 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 458-13-02-005 |
| Primary APN | 458-13-02-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,472 sqft Living Area |
| 1st Floor Area | 1,586 sqft |
| Upper Floors Area | 2,886 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Architectural Style | Row Home |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Galvanized Metal |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Detached |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 78 E BAY ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29401-2547 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Row House |
| Legal Description | DESCRIPTION -78 EAST BAY |
| Legal Subdivision | SOB-EAST, WARD-1 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | CHARLESTON CENTRAL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 200 |
78 E Bay St, a row house, is owned by an individual who bought it in May 2022.
Source: Charleston County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32 STILES LN, GREENWICH, CT 06831-2543 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2022 · Amount on File |
| Deed Sale | May 26, 2022 · Amount on File |
| Prior Sale | Jul 29, 2014 · Amount on File |
| Deed Book / Page | 1112 / 568 |
| Prior Transfer Date | Nov 1, 2004 |
| Prior Transfer Doc | W514/0654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | May 26, 2022 |
| Property Address | 78 E BAY ST, CHARLESTON, SC 29401-2547 |
| Document Number | 0011120568 |
| Book / Page | 1112 / 568 |
| Map Reference | MB J PG 84 |
| Instrument Date | May 23, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,618.40 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 STILEZ LN, GREENWICH, CT 06831-2543 |
| Document Number | 0001112570 |
|---|---|
| Date | May 26, 2022 |
| Instrument | 1112/570 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.5% |
The 2025 property tax bill for 78 E Bay St was $76,578, up 1% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Charleston City |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $76,578.00 (+9.96%) | $4,696,370 (+1,816.65%) Land $1,148,500 Building $3,547,870 | $4,960,900 Land $1,148,500 Building $3,812,400 |
| 2024 | $69,640.00 | $245,030 | |
| 2022 | $62,049.00 | $234,600 | $4,128,800 Land $1,220,200 Building $2,908,600 |
| 2020 | $4,083,800 Land $1,500,000 Building $2,583,800 |
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.
FEMA maps place 78 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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.
The area around 78 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 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.
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 |
| 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.
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.
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