849 Waterloo St, Charleston, SC 29412 Property Records

Charleston County property record for 849 Waterloo St, Charleston, SC 29412 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,998 sqft · built 1969
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Last Sale	$343,000 (Oct 2006)
Tax Bill	$2,051 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`454-05-00-085`

Property Details

APN / Parcel Number

Primary APN	`454-05-00-085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,998 sqft Living Area
1st Floor Area	1,722 sqft
Upper Floors Area	276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,572 sqft (0.61 acres)
Lot Dimensions	170 ft deep x 157 ft wide
Garage Type	Attached
Garage Area	654 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	18 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	849 WATERLOO ST
City	CHARLESTON
State	SC
Zip	29412-5057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION NAME -STILES POINT DESCRIPTION -LT 15 BLK D PART 4 PORTION 4
Legal Subdivision	STILES POINT
Legal Block	D
Legal Lot Number	15
Jurisdiction	CHARLESTON SC
Township / Civil Division	JAMES ISLAND
Census Block Group	1
Census Block	1096
Census Tract	2007

Owner

Source: Charleston County records · APN 454-05-00-085

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	2 Individual Names on File
Mailing Address	849 WATERLOO ST, CHARLESTON, SC 29412-5057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 23, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Sep 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 04, 2006 · Amount on Record
Deed Sale	Oct 04, 2006 · Amount on Record
Prior Sale	Jul 26, 2005 · Amount on Record
Deed Book / Page	600 / 641
Prior Transfer Date	Mar 29, 2005
Prior Transfer Doc	C532/0736
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	849 WATERLOO ST, CHARLESTON, SC 29412-5057
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010540099
Date	Nov 19, 2021
Book Page	1054/99

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jun 01, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	849 WATERLOO ST, CHARLESTON, SC 29412-5057
Document Number	0881/0430
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 08, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 WATERLOO ST CHARLESTON SC 294125057, CHARLESTON, SC 29412-5057

Mortgage

Document Number	0881/0430
Date	May 11, 2020
Book Page	000881/000430

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	849 WATERLOO ST, CHARLESTON, SC 29412-5057
Document Number	0752/0263
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 01, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	849 WATERLOO ST CHARLESTON SC 294125057, CHARLESTON, SC 29412-5057

Mortgage

Document Number	0752/0263
Date	Oct 09, 2018
Book Page	000752/000263

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 08, 2038

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	$2,051.00 (+20.15%)
2024	$1,707.00 (+9.92%)	$14,230 (-)
2022	$1,553.00	$14,230	$367,100 (-) Land $133,700 Building $233,400
2020			$367,100 Land $133,700 Building $233,400

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 450190020071, refreshed September 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
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 217 individual NFIP policies nearby
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	217 in force
Nearby Flood Claims	150 (1978–2024)
Claims Outside the SFHA	16 of 150
Most Recent Claim	Mar 2024, rainfall accumulation
Claims By Storm	Hurricane Irma, Sep 2017 · 11 claims Severe Storms And Flooding, Oct 2015 · 13 claims Hurricane Hugo, Sep 1989 · 100 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 284 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
WOW Internet, Cable & Phone	Cable	1,200 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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