85 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 85 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Row House
Details	3 bd · 2.5 ba · 4,192 sqft · built 1784
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Trust Names on File
Last Sale	$2,975,000 (Jun 2017)
Tax Bill	$17,035 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2017 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`458-09-03-149`

Property Details

APN / Parcel Number

Primary APN	`458-09-03-149`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,192 sqft Living Area
1st Floor Area	975 sqft
Upper Floors Area	2,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1784
Effective Year Built	Effective 1784
Architectural Style	Georgian
Exterior Material	Brick
Roof Type	Hip
Roof Material	Galvanized Metal
Lot Area	3,049 sqft (0.07 acres)
Terrain	High
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	288 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	85 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2544
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	DESCRIPTION -85 EAST BAY
Legal Subdivision	EAST BAY STREET
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	200

Owner

85 E Bay St, a row house, is owner-occupied and held in a trust since August 2017.

Source: Charleston County records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	85 E BAY ST, CHARLESTON, SC 29401-2544
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage REGIONS MTG
Aug 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 9, 2017	Grant Deed, Transfer BRANCH BK&TR
May 11, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/PA
Mar 9, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2017 · Amount on File
Deed Sale	Jun 9, 2017 · Amount on File
Prior Sale	Mar 9, 2017 · Amount on File
Deed Book / Page	644 / 93
Last Transfer Date	Aug 28, 2017
Transfer Doc	0662/0726
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	85 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0951/0533
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	85 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0951/0533
Date	Jan 15, 2021
Book Page	000951/000533

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	2050 PARKWAY RIVER RD, HOOVER, AL 35244

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 14, 2036

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLESTON SC
Recording Date	Aug 29, 2017
Property Address	85 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0662/0726
Book / Page	000662 / 000726
Instrument Date	Aug 28, 2017
Transaction Type	Transfer
Record Updated	Sep 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	85 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Jun 9, 2017
Property Address	85 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0644/0093
Book / Page	000644 / 000093
Instrument Date	Jun 2, 2017
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	85 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	644/0094
Date	Jun 9, 2017
Book Page	000644/000094

Lender

Name	BRANCH BK&TR
Type	Bank
Address	223 NASH ST W, WILSON, NC 27893-3801

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	85 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0638/0742
Book / Page	000638 / 000742
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2217 STANTONSBURG RD GREENVILLE NC 278342841, GREENVILLE, NC 27834-2841

Mortgage

Document Number	0638/0742
Date	May 18, 2017
Book Page	000638/000742

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	4140 E STATE ST, HERMITAGE, PA 16148-3401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 9, 2017
Property Address	85 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0622/0240
Book / Page	000622 / 000240
Instrument Date	Mar 8, 2017
Transaction Type	Transfer
Record Updated	Mar 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 566 GREENVILLE NC 278350566, GREENVILLE, NC 27835-0566

Tax Assessment & Valuation

The 2025 property tax bill for 85 E Bay St was $17,035, up 7.6% from the year before.

Source: Charleston County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Charleston County
Municipality	Charleston City
Unified School District	Charleston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,035.00 (+7.56%)	$3,654,815 (+2,774.86%) Land $965,600 Building $2,689,215	$4,692,000 Land $965,600 Building $3,726,400
2024	$15,838.00	$127,130
2022	$14,992.00	$127,130	$3,178,100 Land $848,900 Building $2,329,200
2020			$3,178,100 Land $848,900 Building $2,329,200

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.

Flood

FEMA maps place 85 E Bay St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 185 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	293 units insured incl. 108 condo units
Nearby Flood Claims	145 (1979–2024)
Claims Outside the SFHA	21 of 145
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Severe Storms And Flooding, Oct 2015 · 14 claims Hurricane Hugo, Sep 1989 · 88 claims

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

The area around 85 E Bay St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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