103 Monaco Cir, Clemson, SC 29631 Property Records

Pickens County property record for 103 Monaco Cir, Clemson, SC 29631

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,418 sqft · built 1987
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Trust Names on Record
Last Sale	$450,000 (Jul 2020)
Tax Bill	$8,576 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4054-12-95-4878`

Property Details

APN / Parcel Number

Primary APN	`4054-12-95-4878`
Alternative APN	`R0060230`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,418 sqft Living Area
Basement Area	1,552 sqft
Finished Basement	1,005 sqft
Unfinished Basement	547 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Mansard
Roof Material	Shingle
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Basement
Garage Area	1 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	624 sqft
Deck Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R0060230
Street Address	103 MONACO CIR
City	CLEMSON
State	SC
Zip	29631-1256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R 20 SINGL
Legal Description	MONACO ESTATES LOT 34 PLAT 49/82B PLAT 611/191
Legal Subdivision	MONACO ESTATES
Legal Block	95
Legal Lot Number	34
Jurisdiction	PICKENS SC
Township / Civil Division	CLEMSON
Census Block Group	2
Census Block	2009
Census Tract	11207

Owner

Source: Pickens County records, as of August 19, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	103 MONACO CIR, CLEMSON, SC 29631-1256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2018	Deed of Trust, Mortgage · ARM FOUNDERS FCU
Jul 21, 2020	Deed, Transfer · Conventional Mortgage RENASANT BANK
Jun 28, 2017	Deed, Transfer · ARM FOUNDERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Jun 28, 2017 · Amount on Record
Deed Document Number	202010531
Deed Book / Page	2177 / 44
Last Transfer Date	May 23, 2024
Transfer Doc	0000007332
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS SC
Property Address	103 MONACO CIR, CLEMSON, SC 29631-1256
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000473
Date	Jan 16, 2018
Book Page	5297/204
Instrument	201800473

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jan 5, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	Other
Margin	2
Max Rate	10.2%

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	PICKENS SC
Recording Date	Jul 21, 2020
Property Address	103 MONACO CIR, CLEMSON, SC 29631-1256
Document Number	0000010531
Book / Page	2177 / 44
Map Reference	MB 611 PG 191
Instrument Date	Jul 16, 2020
Instrument	202010531
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
Amount Accuracy	Verified / From Affidavit
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 MONACO CIR, CLEMSON, SC 29631-1256

Mortgage

Document Number	0000010532
Date	Jul 21, 2020
Instrument	202010532

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	PICKENS SC
Recording Date	Jun 28, 2017
Property Address	103 MONACO CIR, CLEMSON, SC 29631-1256
Document Number	0000010112
Book / Page	1873 / 080
Map Reference	MB49 PG82-B
Instrument Date	Jun 19, 2017
Instrument	201710112
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MONAW CR, CLEMSON, SC 29631

Mortgage

Document Number	0000010113
Date	Jun 28, 2017
Instrument	201710113

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 5, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	10-Year TN
Margin	2
Max Rate	10.5%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,576.00 (+199.65%)	$31,050 (+72.5%) Land $2,760 Building $28,290	$733,500 (+63%) Land $65,200 Building $668,300
2024	$2,862.00 (+5.3%)	$18,000 (-) Land $1,600 Building $16,400	$450,000 (-) Land $40,000 Building $410,000
2023	$2,718.00 (+2.03%)	$18,000 (-) Land $1,600 Building $16,400	$450,000 (-) Land $40,000 Building $410,000
2022	$2,664.00	$18,000 Land $1,600 Building $16,400	$450,000 Land $40,000 Building $410,000

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 Policies	8 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Aug 2008 · river or lake flooding

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	Low lower than 66% of the US · lower than 93% of South Carolina
Wildfire Likelihood	0.02% 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	CITY OF CLEMSON serves 17,896 people · EPA ID SC3910004
Water Source	Purchased surface water from ANDERSON REGIONAL JOINT WS
Last State Inspection	Nov 2022
Lead	5 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	2 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 238 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: AT&T, Spectrum.

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