97 Spring St, Charleston, SC 29403 Property Records

Charleston County property record for 97 Spring St, Charleston, SC 29403

Property Summary

Property Type	Duplex
Details	4 bd · 5 ba · 3,211 sqft · built 2003
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Company Names on File
Last Sale	$75,000 (Mar 2001)
Tax Bill	$12,970 (2025)
Deeds & Mortgages	Aug 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`460-08-03-070`

Property Details

APN / Parcel Number

Primary APN	`460-08-03-070`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,211 sqft Total Area
1st Floor Area	936 sqft
Upper Floors Area	2,275 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Duplex Single
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	150 ft deep x 31 ft wide

Exterior Amenities

Porch	Slab
Porch Area	370 sqft
Deck Area	130 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	97 SPRING ST
City	CHARLESTON
State	SC
Zip	29403-6513
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	DESCRIPTION -97 1/2 SPRING
Jurisdiction	CHARLESTON SC
Township / Civil Division	CHARLESTON CENTRAL
Census Block Group	2
Census Block	2004
Census Tract	1000

Owner

Source: Charleston County records · APN 460-08-03-070

Assessment roll updated August 1, 2025 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	20 NOLEN WAY, MOUNT PLEASANT, SC 29464-6682
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 09, 2001 · Amount on Record
Deed Sale	Mar 09, 2001 · Amount on Record
Deed Book / Page	365 / 695
Last Transfer Date	Sep 18, 2024
Transfer Doc	0012690070
Record Updated	Jun 08, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLESTON SC
Property Address	97 SPRING ST, CHARLESTON, SC 29403-6513
Document Number	0741/0280
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0741/0280
Date	Aug 20, 2018
Book Page	000741/000280

Lender

Name	BANK OF SC
Type	Bank
Address	CHARLESTON, SC 29401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 19, 2038

Tax Assessment & Valuation

Source: Charleston County records · Assessment roll updated August 1, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,970.00 (+10.77%)
2024	$11,709.00 (+7.95%)	$40,550 (-)
2022	$10,847.00	$40,550	$1,154,000 (-) Land $374,300 Building $779,700
2020			$1,154,000 Land $374,300 Building $779,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 9, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA.

Based on FCC filings for 654 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CHARLESTON WATER SYSTEM serves 278,771 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.