804 Waterloo St, Charleston, SC 29412 Property Records

Charleston County property record for 804 Waterloo St, Charleston, SC 29412 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,053 sqft · built 1981
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Apr 2022)
Tax Bill	$3,009 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`454-05-00-015`

Property Details

APN / Parcel Number

Primary APN	`454-05-00-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,053 sqft Living Area
1st Floor Area	1,755 sqft
Upper Floors Area	298 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	208 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	566 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	347 sqft
Deck Area	368 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	804 WATERLOO ST
City	CHARLESTON
State	SC
Zip	29412-5036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -STILES POINT DESCRIPTION -LT 31 AND PT 30 BLK C PART 4 PORTION 4
Legal Subdivision	STILES POINT
Legal Block	C
Legal Lot Number	31
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	2
Census Block	2083
Census Tract	2007

Owner

Source: Charleston County records · APN 454-05-00-015

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

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

Owner of Record	Individual Name on File
Mailing Address	804 WATERLOO ST, CHARLESTON, SC 29412-5036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 06, 2022 · Amount on Record
Deed Sale	Apr 06, 2022 · Amount on Record
Deed Book / Page	1097 / 650
Prior Transfer Date	Mar 18, 2022
Prior Transfer Doc	0010970650
Record Updated	Jun 08, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 06, 2022
Property Address	804 WATERLOO ST, CHARLESTON, SC 29412-5036
Document Number	0010970650
Book / Page	1097 / 650
Map Reference	MB U PG 77
Instrument Date	Mar 18, 2022
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$845.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 WATERLOO ST, CHARLESTON, SC 29412-5036

Mortgage

Document Number	0001097652
Date	Apr 06, 2022
Instrument	1097/652

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	James Island Town
Unified School District	Charleston 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,009.00 (+20.89%)
2024	$2,489.00 (+66.82%)	$21,600 (+58.71%)
2022	$1,492.00	$13,610	$405,922 (-24.83%) Land $146,722 Building $259,200
2020			$540,000 Land $216,700 Building $323,300

Flood & Wildfire

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

Flood

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

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.