90 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 90 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,744 sqft · built 1800
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on File
Last Sale	$3,495,000 (Feb 2026)
Tax Bill	$8,497 (2025)
Deeds & Mortgages	Feb 2026 Sale Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`458-13-02-015`

Property Details

APN / Parcel Number

Primary APN	`458-13-02-015`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,744 sqft Living Area
1st Floor Area	1,872 sqft
Upper Floors Area	1,872 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	39 ft deep x 49 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	90 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -90 AND 92 E BAY
Legal Subdivision	EAST BAY STREETS
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1009
Census Tract	200

Owner

90 E Bay St is owned by a company that bought it in February 2026.

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

Owner of Record	Company Name on File
Mailing Address	2115 PETTIGREW ST, SULLIVANS ISLAND, SC 29482-8762
Owner Type	Company
Vesting	Limited Liability Partnership

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
Feb 26, 2026	Warranty Deed, Transfer
Dec 5, 2022	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Aug 1, 2019	Deed of Trust, Mortgage · Line of Credit SOUTH ST BK
Mar 28, 2017	Grant Deed, Transfer CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Prior Sale	Mar 28, 2017 · Amount on File
Deed Book / Page	1371 / 820
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLESTON SC
Recording Date	Feb 26, 2026
Property Address	90 E BAY ST, CHARLESTON, SC 29401-2543
Document Number	0013710820
Book / Page	1371 / 820
Map Reference	MB R44 PG 338
Instrument Date	Feb 25, 2026
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Amount	Amount on Record
Tax	$9,087.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 PETTIGREW ST, SULLIVANS ISLAND, SC 29482-8762

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	90 E BAY ST, CHARLESTON, SC 29401-2543
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2507 E BROW RD, SIGNAL MOUNTAIN, TN 37377-3500

Mortgage

Document Number	0011510460
Date	Dec 5, 2022
Book Page	1151/460

Lender

Name	COGENT BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 30, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	90 E BAY ST, CHARLESTON, SC 29401-2543
Document Number	0814/0979
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 E BAY ST CHARLESTON SC 294012543, CHARLESTON, SC 29401-2543

Mortgage

Document Number	0814/0979
Date	Aug 8, 2019
Book Page	000814/000979

Lender

Name	SOUTH ST BK
Type	Bank
Address	COLUMBIA, SC 29202-3113

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 7, 2029

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Mar 28, 2017
Property Address	90 E BAY ST, CHARLESTON, SC 29401-2543
Document Number	0626/0266
Book / Page	000626 / 000266
Instrument Date	Mar 24, 2017
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,530.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 E BAY ST CHARLESTON SC 294012543, CHARLESTON, SC 29401-2543

Mortgage

Document Number	626/0267
Date	Mar 28, 2017
Book Page	000626/000267

Lender

Name	CITIZENS BK
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903-1344

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 27, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

The 2025 property tax bill for 90 E Bay St was $8,497, up 8.4% 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	$8,497.00 (+8.35%)	$1,792,148 (+2,774.8%) Land $817,400 Building $974,748	$2,493,000 Land $817,400 Building $1,675,600
2024	$7,842.00	$62,340
2022	$7,402.00	$62,340	$1,558,390 Land $746,190 Building $812,200
2020			$1,558,390 Land $746,190 Building $812,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 90 E Bay St in Zone X, an area of moderate flood risk, within 100 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 100 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 90 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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