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853 Waterloo St, Charleston, SC 29412 Property Records

Charleston County property record for 853 Waterloo St, Charleston, SC 29412 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,594 sqft · built 1978
Lot Size0.47 acres (20,473 sqft)
OwnerIndividual Name on File
Last Sale$240,000 (Dec 2017)
Tax Bill$1,634 (2025)
Deeds & MortgagesMay 2020 Mortgage
Feb 2018 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN454-05-00-084

Property Details

APN / Parcel Number

Primary APN454-05-00-084

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,594 sqft Living Area
1st Floor Area1,369 sqft
Upper Floors Area225 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleRanch
Exterior MaterialBrick Veneer
Roof TypeGable
Roof MaterialAsphalt
Lot Area20,473 sqft (0.47 acres)
Lot Dimensions151 ft deep x 137 ft wide
Garage TypeAttached
Garage Area365 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area76 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address853 WATERLOO ST
CityCHARLESTON
StateSC
Zip29412-5057
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPOLTWP 009 MAPPLATB 0193 MAPPLATP 209 SUBDIVISIONNAME STILES POINT BLOCK D LOT 14 PT 4 PORTION 4
Legal SubdivisionJAMES ISLAND
Legal BlockD
Legal Lot Number14
JurisdictionCHARLESTON SC
Township / Civil DivisionJAMES ISLAND
Census Block Group1
Census Block1096
Census Tract2007

Owner

Source: Charleston County records · APN 454-05-00-084

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 RecordIndividual Name on File
Mailing Address853 WATERLOO ST, CHARLESTON, SC 29412-5057
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2020Deed of Trust, Mortgage · Conventional Mortgage
FAIRFIELD NAT'L
Feb 20, 2018Deed of Trust, Mortgage · Conventional Mortgage
FAIRFIELD NAT'L
Dec 13, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 13, 2017 · Amount on Record
Deed SaleDec 13, 2017 · Amount on Record
Prior SaleJan 27, 2011 · Amount on Record
Deed Book / Page685 / 890
Prior Transfer DateMay 08, 2006
Prior Transfer Doc00K5820291
Record UpdatedJun 08, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address853 WATERLOO ST, CHARLESTON, SC 29412-5057
Document Number0884/0024
Instrument DateMay 12, 2020
Transaction TypeMortgage
Record UpdatedJun 12, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address853 WATERLOO ST CHARLESTON SC 294125057, CHARLESTON, SC 29412-5057

Mortgage

Document Number0884/0024
DateMay 19, 2020
Book Page000884/000024
Lender
NameFAIRFIELD NAT'L
TypeBank
AddressLANCASTER, OH 43130
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 18, 2050

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLESTON SC
Property Address853 WATERLOO ST, CHARLESTON, SC 29412-5057
Document Number0701/0126
Instrument DateFeb 20, 2018
Transaction TypeMortgage
Record UpdatedMar 16, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address853 WATERLOO ST CHARLESTON SC 294125057, CHARLESTON, SC 29412-5057

Mortgage

Document Number0701/0126
DateFeb 26, 2018
Book Page000701/000126
Lender
NameFAIRFIELD NAT'L
TypeBank
AddressLANCASTER, OH 43130
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 25, 2048
Interest
Rate TypeAdjustable Rate
Rate4.5%

December 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLESTON SC
Recording DateDec 13, 2017
Property Address853 WATERLOO ST, CHARLESTON, SC 29412-5057
Document Number0685/0890
Book / Page000685 / 000890
Instrument DateDec 07, 2017
Transaction TypeTransfer
Record UpdatedJan 03, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$240.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address853 WATERLOO ST CHARLESTON SC 294125057, CHARLESTON, SC 29412-5057

Tax Assessment & Valuation

Source: Charleston County records · Assessment roll updated August 1, 2025 · Last verified April 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$1,634.00 (+19.36%)
2024$1,369.00 (+10.58%)$11,040 (-)
2022$1,238.00$11,040$292,000 (-) Land $108,200 Building $183,800
2020$292,000 Land $108,200 Building $183,800

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 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 217 individual NFIP policies nearby
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies217 in force
199 of 217 on primary residences
Nearby Flood Claims150 (1978–2024)
Claims Outside the SFHA16 of 150
Most Recent ClaimMar 2024, rainfall accumulation
Flood Events
  • Hurricane Irma (Sep 2017), 11 claims
  • Severe Storms And Flooding (Oct 2015), 13 claims
  • Hurricane Hugo (Sep 1989), 100 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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