104 Oak St, Clover, SC 29710 Property Records

York County property record for 104 Oak St, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,464 sqft · built 2003
Lot Size	0.273 acres (11,890 sqft)
Owner	2 Individual Names on File
Last Sale	$94,500 (Apr 2003)
Tax Bill	$713 (2025)
Deeds & Mortgages	Dec 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-05-14-010`

Property Details

APN / Parcel Number

Primary APN	`010-05-14-010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,464 sqft Living Area
Gross Area	1,776 sqft
1st Floor Area	1,464 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	11,890 sqft (0.273 acres)

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Location & Zoning

Street Address	104 OAK ST
City	CLOVER
State	SC
Zip	29710-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK LOT 130
Legal Lot Number	130
Jurisdiction	YORK SC
Township / Civil Division	CLOVER
Census Block Group	1
Census Block	1030
Census Tract	61802

Owner

104 Oak St is owned and occupied by two individuals who acquired it in November 2021.

Source: York County records, as of May 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 OAK ST, CLOVER, SC 29710-1325
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2003 · Amount on File
Deed Sale	Apr 14, 2003 · Amount on File
Prior Sale	Sep 3, 2002 · Amount on File
Deed Book / Page	5182 / 84
Last Transfer Date	Nov 15, 2021
Transfer Doc	1981300033
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YORK SC
Recording Date	Dec 3, 2021
Property Address	104 OAK ST, CLOVER, SC 29710-1325
Document Number	1981300033
Book / Page	19813 / 33
Map Reference	MB 6 PG 116
Instrument Date	Nov 15, 2021
Instrument	2021068879
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 OAK ST, CLOVER, SC 29710-1325

Mortgage

Document Number	2021068880
Date	Dec 3, 2021
Instrument	2021068880

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	977 Months
Due	May 11, 2103

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Change Frequency	Annually
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 104 Oak St was $713.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Municipality	Clover Town
Unified School District	York School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$713.00	$4,867 Land $710 Building $4,157	$205,600 Land $30,000 Building $175,600
2023	$565.00 Additional exemption filed	$4,232 Land $480 Building $3,752	$123,529 Land $14,000 Building $109,529

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

FEMA maps place 104 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 104 Oak St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% 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	TOWN OF CLOVER serves 8,400 people · EPA ID SC4610006
Water Source	Purchased surface water from TWO RIVERS UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20