105 E Stillwater Rd, Gaffney, SC 29341 Property Records

Cherokee County property record for 105 E Stillwater Rd, Gaffney, SC 29341

Property Summary

Property Type	Single Family Home
Details	3,531 sqft · built 2012
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jul 2020)
Tax Bill	$2,276 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021854-23-3`

Property Details

APN / Parcel Number

Primary APN	`021854-23-3`
Alternative APNs	`0780000019028 00009278` `078-00-00-019.028` `021762223`

Interior

Stories	1 Story
Building Area	3,531 sqft Living Area
Basement Area	2,847 sqft
Finished Basement	2,119 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Exterior Material	Brick Veneer
Lot Area	65,776 sqft (1.51 acres)
Garage Area	949 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch

Location & Zoning

Old Parcel Number	0780000019028 00009278
Street Address	105 E STILLWATER RD
City	GAFFNEY
State	SC
Zip	29341-3751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	105 E STILLWATER RDLT#28 FM PHELPS $485000 FM LANIER 375000
Legal Subdivision	STERLING LAKES SUB
Legal Tract	PD
Legal Lot Number	28
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	3
Census Block	3012
Census Tract	970203

Owner

105 E Stillwater Rd is owned and occupied by two individuals who acquired it in July 2020.

Source: Cherokee County records, as of November 19, 2025

Owner of Record	2 Individual Names on File
Mailing Address	105 E STILLWATER RD, GAFFNEY, SC 29341-3751
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

Date	Document
Jul 22, 2020	Deed of Trust, Mortgage FIRST PIEDMONT FED'L S&L ASSN
Jul 23, 2020	Grant Deed, Transfer · Conventional Mortgage FIRST PIEDMONT FED'L S&L ASSN
Sep 9, 2019	Deed of Trust, Mortgage · Line of Credit SOUTH ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on File
Deed Sale	Jul 22, 2020 · Amount on File
Deed Document Number	0001242530
Deed Book / Page	124 / 2530
Last Transfer Date	Jul 23, 2020
Transfer Doc	0001242531
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	105 E STILLWATER RD # 28, 28, GAFFNEY, SC 29341-3751
Document Number	0001242534
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	105 E STILLWATER RD GAFFNEY SC 293413751, GAFFNEY, SC 29341-3751

Mortgage

Document Number	0001242534
Date	Jul 23, 2020
Book Page	000124/002534
Instrument	3778

Lender

Name	FIRST PIEDMONT FED'L S&L ASSN
Address	GAFFNEY, SC 29341

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jul 23, 2020
Property Address	105 E STILLWATER RD # 28, 28, GAFFNEY, SC 29341-3751
Document Number	0001242531
Book / Page	000124 / 002531
Instrument Date	Jul 22, 2020
Instrument	3777
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,758.00
Amount Accuracy	Confirmed
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	105 E STILLWATER RD GAFFNEY SC 293413751, GAFFNEY, SC 29341-3751

Mortgage

Document Number	1242534
Date	Jul 23, 2020
Book Page	000124/002534
Instrument	3778

Lender

Name	FIRST PIEDMONT FED'L S&L ASSN
Address	GAFFNEY, SC 29341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	105 E STILLWATER RD # 28, 28, GAFFNEY, SC 29341-3751
Document Number	0001181091
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E STILLWATER RD GAFFNEY SC 293413751, GAFFNEY, SC 29341-3751

Mortgage

Document Number	0001181091
Date	Dec 12, 2019
Book Page	000118/001091
Instrument	6221

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29423-9910

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 105 E Stillwater Rd was $2,276 with a homeowner's exemption.

Source: Cherokee County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Cherokee County
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,276.00 Homeowner's exemption	$18,300 Land $1,600 Building $16,700	$457,600 Land $40,000 Building $417,600
2023	$1,905.00	$18,300 Land $1,600 Building $16,700	$457,600 Land $40,000 Building $417,600

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 105 E Stillwater Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016

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

Wildfire risk around 105 E Stillwater Rd is low, with a 0.04% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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