Cherokee County property record for 109 Ridgeway Rd, Gaffney, SC 29340
| Property Type | Single Family Home |
|---|---|
| Details | 2,030 sqft · built 2000 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Oct 2021) |
| Tax Bill | $1,395 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001807-23-3 |
| Primary APN | 001807-23-3 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,030 sqft Living Area |
| Basement Area | 1,876 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer |
| Lot Area | 61,420 sqft (1.41 acres) |
| Porch | Porch |
| Old Parcel Number | 0831400004000 61308089 |
|---|---|
| Street Address | 109 RIDGEWAY RD |
| City | GAFFNEY |
| State | SC |
| Zip | 29340-3615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GF |
| Legal Description | 109 RIDGEWAY RD LT#5-7 FRM A F SPENCER $191700 FM SHANA FOSTER $260000 |
| Legal Subdivision | COLLEGE PARK SUB |
| Legal Tract | 2 |
| Legal Lot Number | 5-7 |
| Jurisdiction | CHEROKEE SC |
| Township / Civil Division | GAFFNEY |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 970601 |
Source: Cherokee County records, as of November 19, 2025
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 | 109 RIDGEWAY RD, GAFFNEY, SC 29340-3615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2020 | Grant Deed, Transfer ARK-LA-TEX FIN'L SVCS |
| Apr 29, 2020 | Grant Deed, Transfer · FHA Mortgage BENCHMARK MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2021 · Amount on Record |
| Deed Sale | Oct 13, 2021 · Amount on Record |
| Deed Document Number | 0000140125 |
| Deed Book / Page | 213 |
| Prior Transfer Date | Jul 19, 2005 |
| Prior Transfer Doc | 04600 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Sep 24, 2020 |
| Property Address | 109 RIDGEWAY RD # 5-7, 5-7, GAFFNEY, SC 29340-3615 |
| Document Number | 0001262510 |
| Book / Page | 000126 / 002510 |
| Instrument Date | Aug 25, 2020 |
| Instrument | 5130 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 RIDGEWAY RD GAFFNEY SC 293403615, GAFFNEY, SC 29340-3615 |
| Document Number | 1262513 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 000126/002513 |
| Instrument | 5131 |
| Name | ARK-LA-TEX FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | PLANO, TX 75024 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 23, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Apr 29, 2020 |
| Property Address | 109 RIDGEWAY RD # 5-7, 5-7, GAFFNEY, SC 29340-3615 |
| Document Number | 0001220486 |
| Book / Page | 000122 / 000486 |
| Instrument Date | Apr 21, 2020 |
| Instrument | 2143 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 RIDGEWAY RD GAFFNEY SC 293403615, GAFFNEY, SC 29340-3615 |
| Document Number | 1220188 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 000122/000188 |
| Instrument | 2144 |
| Name | BENCHMARK MTG |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2050 |
Source: Cherokee County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Cherokee County |
| Municipality | Gaffney City |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,395.00 (+10.89%) Homeowner's exemption | $9,590 (-) Land $700 Building $8,890 | $239,700 (-) Land $17,400 Building $222,300 |
| 2023 | $1,258.00 | $9,590 Land $700 Building $8,890 | $239,700 Land $17,400 Building $222,300 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GAFFNEY BPW serves 24,290 people · EPA ID SC1110001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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