4 Finch St

Hilton Head Island, South Carolina, 29926

Redeemable DeedpendingSells Oct 5, 2026 · 3 days ago

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SqFt: 10,928
Lot Size: 51,401
Year Built: 2017
APN: R510 004 000 0336 0000

Property Type: Other
Distressed: No
Vacant: No
Owner Type: Individual
Owner Status: Absentee (In State)
Length of Ownership: 12 Years 2 Months
Purchase Method: Financed
County: Beaufort

Value

Estimated Value: $86,190
County Market Value: $1,582,800; 2025
Assessed Value: $86,190; 2025

Mortgage & Debt

Open Mortgages: 1
Estimated Balance: $1,750,238
Lien Flags: None recorded; RealEstateAPI flags · not a lien search

Last Sale

Public Record: $150,000; 06/27/2014
Document Type: Limited Warranty Deed

Opportunity

Opening Bid: $27,175
Bid / Value: 32%; of $86,190
Property Tax 2025: $23,282; annual bill · not the amount owed
Equity (est.): $0; 0%
Linked Properties: 2

Opening bid

$27,175

Assessed value

$86,190

Market / AVM

$86,190

Property tax 2025

$23,282

Annual bill — the sale list gives no amount owed

Property facts enriched via realestateapi · 10/1/2026

Ownership Information

Owner 1 Name: Keith Bach
Mailing Address: 7 Fantail Ln, Hilton Head Island, SC 29926
Owner Type: Individual
Corporate Owned: No

Property Characteristics

Basement: No Basement

Building Size

Deal analysis

Recorded	Position	Amount	Type	Lender	Term	Maturity	Doc #
09/20/2018	First	$1,750,238	Commercial	Pinnacle Bank	60	09/18/2023	2018050628

Recorded	Position	Amount	Type	Lender	Term	Maturity	Doc #	Open
09/20/2018	First	$1,750,238	Commercial	Pinnacle Bank	60	09/18/2023	2018050628	Yes

Sale Date	Recorded	Amount	Document	Doc #	Arm's Length	Method	Buyer	Seller
06/27/2014	07/01/2014	$150,000	Limited Warranty Deed	2014030964	Yes	Financed	Keith Thomas Bach	The Coastal Bank
12/18/2008	12/30/2008	$1,512,735	Legal Action/Court Order	2008078269	Yes	Cash Purchase	The Coastal Bank	Cuda Company Real Estate Llc, Coastal Mortgage Co
09/20/2007	09/27/2007	$500,000	Warranty Deed	2007072645	Yes

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.

4 Finch St

Value

Mortgage & Debt

Last Sale

Opportunity

Ownership Information

Property Characteristics

Building Size

4 Finch St

Value

Mortgage & Debt

Last Sale

Opportunity

Ownership Information

Property Characteristics

Building Size

Land/Location Information

Legal Description

Tax Assessment Information

Last Arm's Length Sale Information

Recording Information

Buyer/Seller Information

Distress Flags

Area

Fair Market Rents

Tax Assessment Information

Open Mortgages

Mortgage History

Sale History

County records

Beaufort County rules

Historical comps

Verify before you bid