Charleston County property record for 820 Bermuda St, Charleston, SC 29412
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 936 sqft · built 1964 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Apr 2019) |
| Tax Bill | $1,447 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 425-08-00-053 |
| Primary APN | 425-08-00-053 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 116 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 80 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|
| Street Address | 820 BERMUDA ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29412-3405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -BAY FRONT DESCRIPTION -LT 2 |
| Legal Subdivision | BAY FRONT |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 2002 |
Source: Charleston County records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 820 BERMUDA ST, CHARLESTON, SC 29412-3405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Apr 29, 2019 | Grant Deed, Transfer · VA Mortgage AMERIS BK |
| Oct 1, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2019 · Amount on Record |
| Deed Sale | Apr 29, 2019 · Amount on Record |
| Prior Sale | Oct 1, 2018 · Amount on Record |
| Deed Book / Page | 792 / 351 |
| Prior Transfer Date | Apr 5, 2018 |
| Prior Transfer Doc | 0750/0324 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 820 BERMUDA ST, CHARLESTON, SC 29412-3405 |
| Document Number | 0870/0008 |
| Instrument Date | Mar 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2020 |
| Title Company | BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 820 BERMUDA ST CHARLESTON SC 294123405, CHARLESTON, SC 29412-3405 |
| Document Number | 0870/0008 |
|---|---|
| Date | Mar 27, 2020 |
| Book Page | 000870/000008 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Apr 29, 2019 |
| Property Address | 820 BERMUDA ST, CHARLESTON, SC 29412-3405 |
| Document Number | 0792/0351 |
| Book / Page | 000792 / 000351 |
| Instrument Date | Apr 9, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $240.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 BERMUDA ST CHARLESTON SC 294123405, CHARLESTON, SC 29412-3405 |
| Document Number | 792/0353 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 000792/000353 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2049 |
| Document Number | 806/0289, |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 000806/000289 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Oct 1, 2018 |
| Property Address | 820 BERMUDA ST, CHARLESTON, SC 29412-3405 |
| Document Number | 0750/0324 |
| Book / Page | 000750 / 000324 |
| Instrument Date | Apr 5, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7144 E STETSON DR #410 SCOTTSDALE AZ 852513275, 410, SCOTTSDALE, AZ 85251-3275 |
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | James Island Town |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,447.00 (+19%) | $276,000 (+2,775%) Land $77,200 Building $198,800 | $415,800 (+73.25%) Land $77,200 Building $338,600 |
| 2024 | $1,216.00 (+11.05%) | $9,600 (-) | |
| 2022 | $1,095.00 | $9,600 | $240,000 (-) Land $99,000 Building $141,000 |
| 2020 | $240,000 Land $99,000 Building $141,000 |
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.
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 | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 172 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 172 in force |
| Nearby Flood Claims | 188 (1978–2023) |
| Claims Outside the SFHA | 78 of 188 |
| Most Recent Claim | Aug 2023 · Hurricane Idalia |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 91% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond 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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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