89 Spring St, Charleston, SC 29403 Property Records

Charleston County property record for 89 Spring St, Charleston, SC 29403

Property Summary

Property Type	Apartments (5+ Units)
Details	3,750 sqft · built 1973
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$2,300,000 (Feb 2020)
Tax Bill	$51,438 (2025)
Deeds & Mortgages	Dec 2023 Sale Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`460-08-03-066`

Property Details

APN / Parcel Number

Primary APN	`460-08-03-066`

Interior

Units	4 Units
Stories	2 Stories
Building Area	3,750 sqft Finished Area
Gross Area	1,875 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	175 ft deep x 55 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	89 SPRING ST
City	CHARLESTON
State	SC
Zip	29403-5354
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	DESCRIPTION -89 SPRING
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2004
Census Tract	1000

Owner

Source: Charleston County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	190 SPERRY RD, BETHANY, CT 06524-3548
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Limited Warranty Deed, Transfer
Dec 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage MIDCAP FUNDING XLVIII TRUST
Feb 28, 2020	Grant Deed, Transfer LOAN FUNDER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Prior Sale	Mar 30, 2007 · Amount on Record
Deed Book / Page	863 / 198
Record Updated	Oct 29, 2026

December 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Dec 28, 2023
Property Address	89 SPRING ST, CHARLESTON, SC 29403-5354
Document Number	0012200504
Book / Page	1220 / 504
Map Reference	MB CG PG 159
Instrument Date	Dec 19, 2023
Transaction Type	Transfer
Record Updated	Jan 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 SPERRY RD, BETHANY, CT 06524-3548
Investor	Possibly a Property Investor

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	89 SPRING ST, CHARLESTON, SC 29403-5354
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	FIRST NATL FINCL TTL SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 LAFAYETTE ST 7TH, 7, NEW YORK, NY 10003-7013

Mortgage

Document Number	0010620304
Date	Dec 21, 2021
Book Page	1062/304

Lender

Name	MIDCAP FUNDING XLVIII TRUST
Type	Non-Lending Institution
Address	BETHESDA, MD 20814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	26 Months
Due	Feb 9, 2024

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Feb 28, 2020
Property Address	89 SPRING ST, CHARLESTON, SC 29403-5354
Document Number	0863/0198
Book / Page	000863 / 000198
Instrument Date	Feb 24, 2020
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	47 JANE ST #8 NEW YORK NY 100145139, 8, NEW YORK, NY 10014-5139

Mortgage

Document Number	863/0199
Date	Feb 28, 2020
Book Page	000863/000199

Lender

Name	LOAN FUNDER LLC
Address	645 MADISON AVE # 19, NEW YORK, NY 10022-1010

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Feb 27, 2022

Tax Assessment & Valuation

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	$51,438.00 (+10.53%)	$3,102,424 (+1,816.61%) Land $588,118 Building $2,514,306	$3,471,000 (+10.82%) Land $825,000 Building $2,646,000
2024	$46,536.00 (+7.81%)	$161,870 (-)
2022	$43,164.00	$161,870	$3,132,000 (-) Land $375,000 Building $2,757,000
2020			$3,132,000 Land $375,000 Building $2,757,000

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

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 Record median of 171 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	194 units insured incl. 23 condo units
Nearby Flood Claims	39 (1983–2016)
Claims Outside the SFHA	1 of 39
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Severe Storms And Flooding, Oct 2015 · 7 claims Hurricane Hugo, Sep 1989 · 23 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

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 654 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile.

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