103 Lloyd St, Seneca, SC 29678 Property Records

Oconee County property record for 103 Lloyd St, Seneca, SC 29678

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,337 sqft · built 2002
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Oct 2023)
Tax Bill	$1,783 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-17-05-012`

Property Details

APN / Parcel Number

Primary APN	`520-17-05-012`
Alternative APN	`55969`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,337 sqft Living Area
1st Floor Area	1,337 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,810 sqft (0.34 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	55969
Street Address	103 LLOYD ST
City	SENECA
State	SC
Zip	29678-2616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLOCK B WOODED ACRES (0.34 AC)
Legal Subdivision	BLK B WOODED ACRES(.34AC ADD
Legal Block	B
Legal Lot Number	7
Jurisdiction	OCONEE SC
Township / Civil Division	SENECA
Census Block Group	2
Census Block	2019
Census Tract	30601

Owner

Source: Oconee County records, as of March 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	103 LLOYD ST, SENECA, SC 29678-2616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 10, 2023	Deed, Transfer · Conventional Mortgage NEW STORY LENDING LLC
Jun 29, 2018	Grant Deed, Transfer · Conventional Mortgage SOUTH CAROLINA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on Record
Deed Sale	Oct 10, 2023 · Amount on Record
Prior Sale	Jun 29, 2018 · Amount on Record
Deed Book / Page	2992 / 95
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	103 LLOYD ST, SENECA, SC 29678-2616
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LLOYD ST, SENECA, SC 29678-2616

Mortgage

Document Number	0004795/22
Date	Mar 11, 2026
Book Page	4795/22

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OCONEE SC
Recording Date	Oct 10, 2023
Property Address	103 LLOYD ST, SENECA, SC 29678-2616
Document Number	0002992/95
Book / Page	2992 / 95
Map Reference	MB T PG 103
Instrument Date	Oct 10, 2023
Transaction Type	Transfer
Record Updated	Oct 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	103 LLOYD ST, SENECA, SC 29678-2616

Mortgage

Document Number	004497/216
Date	Oct 10, 2023
Book Page	4497/216

Lender

Name	NEW STORY LENDING LLC
Type	Mortgage Company
Address	EASLEY, SC 29640

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCONEE SC
Recording Date	Jun 29, 2018
Property Address	103 LLOYD ST, SENECA, SC 29678-2616
Document Number	0023740187
Book / Page	002374 / 000187
Instrument Date	Jun 28, 2018
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LLOYD ST SENECA SC 296782616, SENECA, SC 29678-2616

Mortgage

Document Number	37370100
Date	Jun 29, 2018
Book Page	003737/000100

Lender

Name	SOUTH CAROLINA FCU
Address	N CHARLESTON, SC 29419-9012

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 28, 2038

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Oconee County
Municipality	Seneca City
Unified School District	Oconee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,783.00	$10,386 (+73.39%) Land $449 Building $9,937	$259,650 (+73.39%) Land $11,220 Building $248,430
2023		$5,990 (-) Land $488 Building $5,502	$149,753 (-) Land $12,200 Building $137,553
2022		$5,990 Land $488 Building $5,502	$149,753 Land $12,200 Building $137,553

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

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2009 · rainfall accumulation

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	CITY OF SENECA serves 39,772 people · EPA ID SC3710002
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	3 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: West Carolina Rural Telephone Cooperative.

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