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820 Waterloo St, Charleston, SC 29412 Property Records

Charleston County property record for 820 Waterloo St, Charleston, SC 29412 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,017 sqft · built 1969
Lot Size0.45 acres (19,602 sqft)
Owner2 Individual Names on File
Last Sale$420,000 (Jun 2017)
Tax Bill$2,681 (2025)
Deeds & MortgagesApr 2021 Mortgage
Apr 2021 Line of Credit
+ 2 more
Flood ZoneZone AE (high risk)
APN454-05-00-012

Property Details

APN / Parcel Number

Primary APN454-05-00-012

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,017 sqft Living Area
1st Floor Area1,729 sqft
Upper Floors Area288 sqft

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Architectural StyleRanch
Exterior MaterialBrick Veneer
Roof TypeGable
Roof MaterialAsphalt
Lot Area19,602 sqft (0.45 acres)
Lot Dimensions165 ft deep x 118 ft wide
Garage TypeAttached
Garage Area671 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area280 sqft
PorchSlab
Porch Area150 sqft
Deck Area308 sqft
Patio Area308 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address820 WATERLOO ST
CityCHARLESTON
StateSC
Zip29412-5036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUBDIVISION NAME -STILES POINT DESCRIPTION -LT 34 BLK C PART 4 PORTION 4
Legal SubdivisionSTILES POINT
Legal BlockC
Legal Lot Number34
JurisdictionCHARLESTON SC
Township / Civil DivisionJAMES ISLAND
Census Block Group2
Census Block2083
Census Tract2007

Owner

Source: Charleston County records · APN 454-05-00-012

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 Record2 Individual Names on File
Mailing Address820 WATERLOO ST, CHARLESTON, SC 29412-5036
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST PALMETTO BANK
Apr 12, 2021Deed of Trust, Mortgage · Line of Credit
FIRST PALMETTO BANK
Jan 28, 2019Deed of Trust, Mortgage · Line of Credit
FIRST PALMETTO BK
Jun 16, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 16, 2017 · Amount on Record
Deed SaleJun 16, 2017 · Amount on Record
Deed Book / Page645 / 755
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address820 WATERLOO ST, CHARLESTON, SC 29412-5036
Transaction TypeMortgage
Record UpdatedMay 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number09800469
DateApr 12, 2021
Book Page980/469
Lender
NameFIRST PALMETTO BANK
TypeBank
AddressCASSATT, SC 29032
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueMar 01, 2051

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address820 WATERLOO ST, CHARLESTON, SC 29412-5036
Transaction TypeMortgage
Record UpdatedMay 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number09800472
DateApr 12, 2021
Book Page980/472
Lender
NameFIRST PALMETTO BANK
TypeBank
AddressCAMDEN, SC 29020
Agreement
TypeLine of Credit
AmountAmount Recorded
Term118 Months
DueFeb 16, 2031
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address820 WATERLOO ST, CHARLESTON, SC 29412-5036
Document Number0774/0951
Instrument DateJan 28, 2019
Transaction TypeMortgage
Record UpdatedFeb 18, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address820 WATERLOO ST CHARLESTON SC 294125036, CHARLESTON, SC 29412-5036

Mortgage

Document Number0774/0951
DateJan 30, 2019
Book Page000774/000951
Lender
NameFIRST PALMETTO BK
TypeBank
AddressCAMDEN, SC 29020
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

June 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLESTON SC
Recording DateJun 16, 2017
Property Address820 WATERLOO ST, CHARLESTON, SC 29412-5036
Document Number0645/0755
Book / Page000645 / 000755
Instrument DateJun 14, 2017
Transaction TypeTransfer
Record UpdatedJun 28, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$420.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address820 WATERLOO ST CHARLESTON SC 294125036, CHARLESTON, SC 29412-5036

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$2,681.00 (+20.66%)
2024$2,222.00 (+9.3%)$19,080 (-)
2022$2,033.00$19,080$476,900 (-) Land $158,700 Building $318,200
2020$476,900 Land $158,700 Building $318,200

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 450190020072, 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 AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 619 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies624 units insured (5 under condo master policies)
567 of 619 individual policies on primary residences
Nearby Flood Claims189 (1987–2023)
Claims Outside the SFHA5 of 189
Most Recent ClaimDec 2023, rainfall accumulation
Flood Events
  • Hurricane Irma (Sep 2017), 10 claims
  • Severe Storms And Flooding (Oct 2015), 9 claims
  • Hurricane Hugo (Sep 1989), 146 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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