Charleston County property record for 850 Waterloo St, Charleston, SC 29412
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,030 sqft · built 1974 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $318,000 (May 2017) |
| Tax Bill | $2,082 (2025) |
| Deeds & Mortgages | May 2026 Sale Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 454-05-00-002 |
| Primary APN | 454-05-00-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| 1st Floor Area | 2,030 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Porch | Slab |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 850 WATERLOO ST |
|---|---|
| City | CHARLESTON |
| State | SC |
| Zip | 29412-5079 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -STILES POINT DESCRIPTION -LT 44 BLK C PART 4 PORTION 4 |
| Legal Subdivision | STILES POINT |
| Legal Block | C |
| Legal Lot Number | 44 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | JAMES ISLAND |
| Census Block Group | 2 |
| Census Block | 2083 |
| Census Tract | 2007 |
Source: Charleston County assessment roll, as of August 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 850 WATERLOO ST, CHARLESTON, SC 29412-5079 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 16, 2019 | Deed of Trust, Mortgage · Conventional with PMI US BK |
| May 2, 2017 | Warranty Deed, Transfer · Conventional with PMI VAN DYK MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 2, 2017 · Amount on Record |
| Deed Sale | May 2, 2017 · Amount on Record |
| Prior Sale | Jun 28, 2012 · Amount on Record |
| Deed Book / Page | 634 / 569 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | May 5, 2026 |
| Property Address | 850 WATERLOO ST, CHARLESTON, SC 29412-5079 |
| Document Number | 1386000681 |
| Book / Page | 1386 / 681 |
| Instrument Date | Apr 23, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 850 WATERLOO ST, CHARLESTON, SC 29412-5079 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 850 WATERLOO ST, CHARLESTON, SC 29412-5079 |
| Document Number | 0860/0081 |
| Instrument Date | Sep 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2020 |
| Title Company | BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 850 WATERLOO ST CHARLESTON SC 294125079, CHARLESTON, SC 29412-5079 |
| Document Number | 0860/0081 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 000860/000081 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | May 2, 2017 |
| Property Address | 850 WATERLOO ST, CHARLESTON, SC 29412-5079 |
| Document Number | 0634/0569 |
| Book / Page | 000634 / 000569 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 850 WATERLOO ST CHARLESTON SC 294125079, CHARLESTON, SC 29412-5079 |
| Document Number | 634/0570 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 000634/000570 |
| Name | VAN DYK MTG |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $2,082.00 (+20.14%) | ||
| 2024 | $1,733.00 (+9.89%) | $14,470 (-) | |
| 2022 | $1,577.00 | $14,470 | $361,800 (-) Land $129,500 Building $232,300 |
| 2020 | $361,800 Land $129,500 Building $232,300 |
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 USA Fixed Wireless | 100 / 20 |
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