4 Finch St

Hilton Head Island, South Carolina, 29926

Redeemable DeedpendingSells Oct 5, 2026 · in 4 days

View on map ↗

Opening bid

$27,175

Assessed value

$86,190

Market / AVM

$86,190

Taxes owed

—

Parcel number: R510 004 000 0336 0000
Case number: —
Land use: Commercial
Building: 10,928 sqft
Acreage: 1.18
Lot size: 51,401 sqft
Year built: 2017
Owner of record: Keith Bach
Last sale: $150,000 · 2014-06-27

Property facts enriched via realestateapi · 10/1/2026

Aerial view of 4 Finch St — what is around it

Property detail

RealEstateAPI PropertyDetail · Every populated field, as returned · 215 values

Summary(15)

Loan type code first
Id	157,892,757
Last sale date	2014-06-27
Property type	OTHER
Absentee owner	Yes
Equity percent	0
Investor buyer	Yes
Last sale price	$150,000
Estimated value	$86,190
Last update date	2026-03-11 00:00:00 UTC

County records

Official appraiser / assessor — free, always available. Copy the parcel number if the link opens a search page.

Beaufort County assessor ↗search: R510 004 000 0336 0000
Delinquent Taxes and Tax Sales ↗search: R510 004 000 0336 0000
Tax Sale ↗search: R510 004 000 0336 0000
Recorded Documents ↗search: R510 004 000 0336 0000
Google Maps (parcel / address search) ↗

Beaufort County rules

Sale type: Tax Lien
Redemption: 1 year from sale (12 months)
Return if redeemed: 3–12% per annum depending on when redeemed, tiered quarterly
Statute: South Carolina Code Title 12, Ch. 51

Full county profile →

Historical comps

No historical bucket for SC|Redeemable Deed

No recorded comps yet for this state/sale type. Run deedpilot-copilot import-history --deep and build-history-index.

Index 2026-08-01 · 87,879 total recorded outcomes

Liens that survive

SC tax sale conveys subject to one-year redemption. Federal tax liens and some senior governmental interests can survive. Mortgages/judgments may be cut off if properly noticed under Title 12 Chapter 51 — always verify notice and run title. HOA/assessment liens and post-sale taxes require independent review.

Quiet title

After redemption expires and tax deed issues, quiet title is commonly required for marketable/insurable title, especially before resale or financing.

Verify before you bid

This record was compiled from the published sale list. Parcels are pulled, redeemed, and re-priced up to the moment of sale. Confirm the lot is still in the sale, and confirm the opening bid, directly with the county.

Beaufort County Treasurer — Delinquent Tax Sale ↗

Deal analysis

Your maximum bid

$46,685

Walk away above this. Projected profit at the ceiling: $25,857 (30% of ARV).

Opening bid $27,175

Room to bid $19,510

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$33,111

Under max by $13,574

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for SC|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $86,190. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $86,190
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$6,895
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical SC range ($1,800–$5,000, ~5 months).: −$3,400
Deed recording and transferassumed Typical SC recording and deed issuance cost.: −$250
Holding costs (24 months)assumed Taxes, insurance, and securing the property at ~$129/month.: −$3,103
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$25,857
Maximum bid: $46,685

If the owner redeems

Flat penalty

You'd receive

$1,401

Window

365 days

A 3% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

Quoted elsewhere as 12% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. THE PENALTY IS CAPPED AT THE OPENING BID. § 12-51-90 provides that interest due on redemption may not exceed the forfeited land commission's bid under § 12-51-55 — roughly taxes plus costs. The tiers above are therefore a ceiling reached only by a bid at or near the minimum; a purchase at several times the minimum collects the same capped sum, so the effective yield falls as the premium rises.
South Carolina's ratio depends on the property's CLASS, and this entry uses the 6% residual. A parcel actually carrying the 4% legal-residence ratio will have its ARV understated by a third here, which is the safe direction. A manufacturing or utility parcel assessed at 10.5% is the dangerous one: dividing by 0.06 overstates its value by roughly 1.75x. Confirm the class on the assessor's record before bidding on anything that is not ordinary residential or commercial land.

AI risk brief

Reads this parcel against BeaufortCounty's rules and flags what could go wrong — surviving liens, redemption exposure, title cost, and the facts we don't have. Takes about 35 seconds; the result is saved, so opening this lot again is instant.

157,892,757

Last sale date

2014-06-27

Property type

OTHER

Absentee owner

Yes

Equity percent

Investor buyer

Yes

Last sale price

$150,000

Estimated value

$86,190

Last update date

2026-03-11 00:00:00 UTC

Loan type code first

Deal analysis

Your maximum bid

$46,685

Walk away above this. Projected profit at the ceiling: $25,857 (30% of ARV).

Opening bid $27,175

Room to bid $19,510

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$33,111

Under max by $13,574

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for SC|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $86,190. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $86,190
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$6,895
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical SC range ($1,800–$5,000, ~5 months).: −$3,400
Deed recording and transferassumed Typical SC recording and deed issuance cost.: −$250
Holding costs (24 months)assumed Taxes, insurance, and securing the property at ~$129/month.: −$3,103
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$25,857
Maximum bid: $46,685

If the owner redeems

Flat penalty

You'd receive

$1,401

Window

365 days

A 3% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

Quoted elsewhere as 12% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. THE PENALTY IS CAPPED AT THE OPENING BID. § 12-51-90 provides that interest due on redemption may not exceed the forfeited land commission's bid under § 12-51-55 — roughly taxes plus costs. The tiers above are therefore a ceiling reached only by a bid at or near the minimum; a purchase at several times the minimum collects the same capped sum, so the effective yield falls as the premium rises.
South Carolina's ratio depends on the property's CLASS, and this entry uses the 6% residual. A parcel actually carrying the 4% legal-residence ratio will have its ARV understated by a third here, which is the safe direction. A manufacturing or utility parcel assessed at 10.5% is the dangerous one: dividing by 0.06 overstates its value by roughly 1.75x. Confirm the class on the assessor's record before bidding on anything that is not ordinary residential or commercial land.

Apn	R510 004 000 0336 0000
Land use	Commercial
Lot acres	1.18
Lot number	1
Census block	1017
Census tract	010800
Property use	Commercial (General)
Subdivision	No.Hhi Zoned Il- Lt.Ind. & Dis
Lot depth feet	235.6
Lot width feet	216
Lot square feet	51,401
Property class	The general use for the property is for commercial purposes
Apn unformatted	R51000400003360000
Census block group	7
Legal description	LOT 1 BEACH CITY COMM CENTER PB53 P20 REVISED PLAT PB53 P78 AVIGATION ESMT (10)

Year	2,025
Tax amount	$23,282
Property id	157,892,757
Market value	$1,582,800
Assessed value	$86,190
Assessment year	2,025
Market land value	$295,000
Market improvement value	$1,287,800

Ltv	90
Book	3331
Page	0512
Seq no	1
Sale date	2014-06-27
Arms length	Yes
Buyer names	Keith Thomas Bach
Sale amount	$150,000
Down payment	$15,000
Seller names	The Coastal Bank
Document type	Limited Warranty Deed
Recording date	2014-07-01
Document number	2014030964
Purchase method	Financed
Owner individual	Yes
Transaction type	Non-Residential Arm's Length Transactions
Document type code	DTLW
Prior owner months owned	66

Owner1 type	Individual
Owner2 type	Other
Mail address · zip	29926
Mail address · city	Hilton Head Island
Mail address · fips	45013
Mail address · zip4	1236
Mail address · house	7
Mail address · label	7 Fantail Ln, Hilton Head Island, SC 29926
Mail address · state	SC
Mail address · county	Beaufort County
Mail address · street	Fantail
Mail address · address	7 Fantail Ln
Mail address · carrier route	R024
Mail address · address format	S
Absentee owner	Yes
Owner1 full name	Keith Bach
Owner1 last name	Bach
Owner1 first name	Keith
Ownership length	146
In state absentee owner	Yes

Ltv	Book	Page	Seq no	Sale date	Arms length	Buyer names	Sale amount	Down payment	Seller names	Document type	Recording date	Document number	Purchase method	Owner individual	Transaction type	Document type code
90	3331	0512	1	2014-06-27	Yes	Keith Thomas Bach	$150,000	$15,000	The Coastal Bank	Limited Warranty Deed	2014-07-01	2014030964	Financed	Yes	Non-Residential Arm's Length Transactions	DTLW
100	2795	0906	2	2008-12-18	Yes	The Coastal Bank	$1,512,735	$1,512,735	Cuda Company Real Estate Llc, Coastal Mortgage Co	Legal Action/Court Order	2008-12-30	2008078269	Cash Purchase		Foreclosure	DTLA
90	2631	1586	3	2007-09-20	Yes	Cuda Co Real Estate Llc	$500,000	$47,000	Brooklyn Bridge Ltd Co	Warranty Deed	2007-09-27	2007072645	Financed		Non-Residential Arm's Length Transactions	DTWD

Fmr year	2023
Hud area code	METRO25940N45013
Hud area name	Beaufort County, SC HUD Metro FMR Area
Median income	$88,464
Fmr efficiency	$1,320
Fmr one bedroom	$1,350
Fmr two bedroom	$1,520
Fmr four bedroom	$2,490
Fmr three bedroom	$1,910

Address · zip	29926
Address · city	Hilton Head Island
Address · fips	45013
Address · zip4	3642
Address · house	4
Address · label	4 Finch St, Hilton Head Island, SC 29926
Address · state	SC
Address · county	Beaufort County
Address · street	Finch
Address · address	4 Finch St
Address · street type	St
Address · carrier route	R004
Address · jurisdiction	Beaufort County
Address · congressional district	01
Deck area	0
Latitude	32.22855843051697
Pool area	0
Longitude	-80.69920893144408
Patio area	0
Year built	2,017
Rooms count	0
Units count	0
Property use	Commercial (General)
Basement type	NO BASEMENT
Lot square feet	51,401
Parking spaces	0
Buildings count	0
Property use code	135
Garage square feet	0
Living square feet	10,928
Partial bathrooms	0
Basement square feet	0
Building square feet	10,928
Price per square foot	14
Plumbing fixtures count	0
Basement square feet finished	0
Basement square feet unfinished	0

Ids	157892757, 142673655
Total owned	2
Total value	$1,608,190
Total equity	$876,065
Purchased last6mos	0
Purchased last12mos	0
Total mortgage balance	$2,111,418