89 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 89 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Row House
Details	5 bd · 5 ba · 5,228 sqft · built 1740
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$2,500,000 (Aug 2004)
Tax Bill	$60,067 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`458-09-03-147`

Property Details

APN / Parcel Number

Primary APN	`458-09-03-147`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,228 sqft Living Area
Gross Area	6,349 sqft
1st Floor Area	1,854 sqft
Upper Floors Area	3,374 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1740
Effective Year Built	Effective 1740
Architectural Style	Georgian
Exterior Material	Brick
Roof Type	Hip
Roof Material	Galvanized Metal
Lot Area	6,970 sqft (0.16 acres)
Pool Area	430 sqft
Porch	Porch
Porch Area	143 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	89 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2544
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	DESCRIPTION -89 EAST BAY
Legal Subdivision	WEST SIDE OF EAST BAY STREET
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	200

Owner

89 E Bay St, a row house, is owned by an individual who bought it in August 2004.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 566, GREENVILLE, NC 27835-0566
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 29, 2020	Deed of Trust, Mortgage FIRST PALMETTO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2004 · Amount on File
Deed Sale	Aug 6, 2004 · Amount on File
Prior Sale	Jul 24, 2001 · Amount on File
Deed Book / Page	504 / 639
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	89 E BAY ST, CHARLESTON, SC 29401-2544
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010710405
Date	Jan 26, 2022
Book Page	1071/405

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	89 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0920/0183
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

Mortgage

Document Number	0920/0183
Date	Sep 29, 2020
Book Page	000920/000183

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	407 E DEKALB ST, CAMDEN, SC 29020-4437

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 28, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 89 E Bay St was $60,067, up 1% 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	$60,067.00 (+10.01%)	$3,680,000 (+1,816.67%) Land $1,397,595 Building $2,282,405	$5,568,900 Land $1,494,800 Building $4,074,100
2024	$54,601.00	$192,000
2022	$50,799.00	$192,000	$3,200,000 Land $1,215,300 Building $1,984,700
2020			$3,200,000 Land $1,215,300 Building $1,984,700

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 89 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 89 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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