92 Smith St, Charleston, SC 29401 Property Records

Charleston County property record for 92 Smith St, Charleston, SC 29401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,868 sqft · built 1903
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$754,000 (Apr 2020)
Tax Bill	$4,256 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`457-03-02-069`

Property Details

APN / Parcel Number

Primary APN	`457-03-02-069`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,868 sqft Living Area
1st Floor Area	1,368 sqft
Upper Floors Area	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	109 ft deep x 47 ft wide
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	68 sqft
Patio Area	68 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	92 SMITH ST
City	CHARLESTON
State	SC
Zip	29401-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION -92 SMITH
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1000
Census Tract	500

Owner

92 Smith St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	92 SMITH ST, CHARLESTON, SC 29401-1328
Occupancy	Owner Occupied
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
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY SAVINGS BANK FSB
Apr 20, 2020	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2020 · Amount on File
Deed Sale	Apr 20, 2020 · Amount on File
Prior Sale	Dec 31, 2013 · Amount on File
Deed Book / Page	875 / 141
Prior Transfer Date	Oct 23, 2009
Prior Transfer Doc	0090/0011
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	92 SMITH ST, CHARLESTON, SC 29401-1328
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	RES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010570568
Date	Dec 3, 2021
Book Page	1057/568

Lender

Name	LIBERTY SAVINGS BANK FSB
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Sep 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Apr 20, 2020
Property Address	92 SMITH ST, CHARLESTON, SC 29401-1328
Document Number	0875/0141
Book / Page	000875 / 000141
Instrument Date	Apr 9, 2020
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$754.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 SMITH ST CHARLESTON SC 294011328, CHARLESTON, SC 29401-1328

Mortgage

Document Number	875/0142
Date	Apr 20, 2020
Book Page	000875/000142

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 92 Smith St was $4,256, up 9.9% 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	$4,256.00 (+9.95%)	$867,100 (+2,775%) Land $546,250 Building $320,850	$1,171,100 Land $629,200 Building $541,900
2024	$3,871.00	$30,160
2022	$3,632.00	$30,160	$754,000 Land $475,000 Building $279,000
2020			$754,000 Land $475,000 Building $279,000

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

FEMA maps place 92 Smith St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 172 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	210 units insured incl. 38 condo units
Nearby Flood Claims	306 (1978–2025)
Claims Outside the SFHA	1 of 306
Most Recent Claim	Aug 2025 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 41 claims Hurricane Matthew, Oct 2016 · 24 claims Hurricane Hugo, Sep 1989 · 171 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 92 Smith 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 680 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Home Telecom.

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