Charleston County property record for 834 Waterloo St, Charleston, SC 29412
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,956 sqft · built 1969 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Mar 2023) |
| Tax Bill | $2,914 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 454-05-00-009 |
| Primary APN | 454-05-00-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,956 sqft Living Area |
| 1st Floor Area | 1,956 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 180 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 410 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 834 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 37 BLK C PART 4 PORTION 4 |
| Legal Subdivision | STILES POINT |
| Legal Block | C |
| Legal Lot Number | 37 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 2 |
| Census Block | 2083 |
| Census Tract | 2007 |
834 Waterloo St is owned and occupied by two individuals who bought it in March 2023.
Source: Charleston County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 834 WATERLOO ST, CHARLESTON, SC 29412-5036 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Mar 13, 2023 | Deed, Transfer · Conventional Mortgage THE BANK OF SOUTH CAROLINA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2023 · Amount on File |
| Deed Sale | Mar 13, 2023 · Amount on File |
| Deed Book / Page | 1168 / 58 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 834 WATERLOO ST, CHARLESTON, SC 29412-5036 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0013760902 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | 1376/902 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MOUNT PLEASANT, SC 29464 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 19, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Mar 13, 2023 |
| Property Address | 834 WATERLOO ST, CHARLESTON, SC 29412-5036 |
| Document Number | 0011680058 |
| Book / Page | 1168 / 58 |
| Map Reference | MB U PG 77 |
| Instrument Date | Feb 16, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2023 |
| Title Company | WEEKS AND IRVINE LLC, WEEKS & IRVINE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,560.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 834 WATERLOO ST, CHARLESTON, SC 29412-5036 |
| Document Number | 0000116859 |
|---|---|
| Date | Mar 13, 2023 |
| Instrument | 1168/59 |
| Name | THE BANK OF SOUTH CAROLINA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
The 2025 property tax bill for 834 Waterloo St was $2,914, up 6.2% from the year before.
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 | $2,914.00 (+6.2%) | $600,000 (+2,4%) Land $250,000 Building $350,000 | $600,000 Land $250,000 Building $350,000 |
| 2024 | $2,744.00 | $24,000 | |
| 2022 | $1,309.00 | $11,760 | $353,072 Land $144,672 Building $208,400 |
| 2020 | $600,000 Land $250,000 Building $350,000 |
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.
FEMA maps place 834 Waterloo 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 619 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 624 units insured incl. 5 condo units |
| Nearby Flood Claims | 189 (1987–2023) |
| Claims Outside the SFHA | 5 of 189 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| 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.
Wildfire risk around 834 Waterloo St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL 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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