95 E Bay St, Charleston, SC 29401 Property Records

Charleston County property record for 95 E Bay St, Charleston, SC 29401

Property Summary

Property Type	Row House
Details	3 bd · 2.5 ba · 2,739 sqft · built 1741
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on File
Last Sale	$1,850,000 (Dec 2020)
Tax Bill	$10,034 (2025)
Deeds & Mortgages	Dec 2020 Sale Nov 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`458-09-03-144`

Property Details

APN / Parcel Number

Primary APN	`458-09-03-144`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,739 sqft Living Area
1st Floor Area	759 sqft
Upper Floors Area	1,980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1741
Effective Year Built	Effective 1741
Architectural Style	Georgian
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Galvanized Metal
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	111 ft deep x 23 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	95 E BAY ST
City	CHARLESTON
State	SC
Zip	29401-2544
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	DESCRIPTION -95 EAST BAY
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	1
Census Block	1013
Census Tract	200

Owner

95 E Bay St, a row house, is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	95 E BAY ST, CHARLESTON, SC 29401-2544
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 1, 2020	Grant Deed, Transfer ATTORNEY ONLY
Nov 8, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	Nov 8, 2019 · Amount on File
Deed Book / Page	939 / 821
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Dec 1, 2020
Property Address	95 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0939/0821
Book / Page	000939 / 000821
Instrument Date	Nov 20, 2020
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,850.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	95 E BAY ST CHARLESTON SC 294012544, CHARLESTON, SC 29401-2544

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLESTON SC
Recording Date	Nov 8, 2019
Property Address	95 E BAY ST, CHARLESTON, SC 29401-2544
Document Number	0838/0478
Book / Page	000838 / 000478
Instrument Date	Nov 5, 2019
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 MERRYWOOD DR BENTON KY 420258803, BENTON, KY 42025-8803

Tax Assessment & Valuation

The 2025 property tax bill for 95 E Bay St was $10,034, up 8.1% 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	$10,034.00 (+8.11%)	$2,127,500 (+2,775%) Land $907,000 Building $1,220,500	$3,392,200 Land $907,000 Building $2,485,200
2024	$9,281.00	$74,000
2022	$29,410.00	$111,000	$1,850,000 Land $850,000 Building $1,000,000
2020			$1,850,000 Land $850,000 Building $1,000,000

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 95 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 95 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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