103 Gaines St, Central, SC 29630 Property Records

Pickens County property record for 103 Gaines St, Central, SC 29630

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,928 sqft · built 1900
Lot Size	1.74 acres (75,787 sqft)
Owner	Individual Name on Record
Tax Bill	$397 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`4065-10-46-1922`

Property Details

APN / Parcel Number

Primary APN	`4065-10-46-1922`
Alternative APN	`R0011319`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,928 sqft Living Area
Basement Area	760 sqft
Unfinished Basement	760 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	75,787 sqft (1.74 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R0011319
Street Address	103 GAINES ST
City	CENTRAL
State	SC
Zip	29630-9262
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R 12 SINGL
Legal Description	PLAT 24/525
Jurisdiction	PICKENS SC
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2021
Census Tract	11101

Owner

Source: Pickens County records, as of July 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	195 WARBRANCH RD, CENTRAL, SC 29630-8715
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jun 5, 2026	Deed of Distribution, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 5, 2026
Transfer Doc	0000008789
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	PICKENS SC
Recording Date	Jul 28, 2026
Property Address	103 GAINES ST, CENTRAL, SC 29630-9262
Document Number	0000011644
Book / Page	2985 / 266
Instrument Date	Jul 27, 2026
Instrument	202611644
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74,447.10
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 GAINES ST, CENTRAL, SC 29630-9262

Mortgage

Document Number	0000011645,
Date	Jul 28, 2026
Book Page	6908/288
Instrument	202611645

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	PICKENS SC
Recording Date	Jun 5, 2026
Property Address	103 GAINES ST, CENTRAL, SC 29630-9262
Document Number	0000008789
Book / Page	2966 / 95
Instrument Date	Jun 5, 2026
Instrument	20268789
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 WARBRANCH RD, CENTRAL, SC 29630-8715

Tax Assessment & Valuation

Source: Pickens County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Pickens County
Municipality	Central Town
Unified School District	Pickens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$397.00 (+12.46%)	$3,980 (+15.03%) Land $920 Building $3,060	$141,200 (+63.05%) Land $32,600 Building $108,600
2024	$353.00 (+8.62%)	$3,460 (-) Land $800 Building $2,660	$86,600 (-) Land $20,000 Building $66,600
2023	$325.00 (-2.69%)	$3,460 (-) Land $800 Building $2,660	$86,600 (-) Land $20,000 Building $66,600
2022	$334.00	$3,460 Land $800 Building $2,660	$86,600 Land $20,000 Building $66,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 93% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EASLEY CENTRAL W/D #1 serves 3,283 people · EPA ID SC3920001
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	7 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: West Carolina Rural Telephone Cooperative.

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