110 W Phillips Ave, Gaffney, SC 29341 Property Records

Cherokee County property record for 110 W Phillips Ave, Gaffney, SC 29341

Property Summary

Property Type	Single Family Home
Details	1,949 sqft · built 2020
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on File
Last Sale	$229,900 (Sep 2020)
Tax Bill	$1,221 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jan 2020 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`006357-23-3`

Property Details

APN / Parcel Number

Primary APN	`006357-23-3`
Alternative APNs	`0580000047041 00013752` `058-00-00-047.041` `006438223`

Interior

Stories	1 Story
Building Area	1,949 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Siding
Lot Area	36,155 sqft (0.83 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Location & Zoning

Old Parcel Number	0580000047041 00013752
Street Address	110 W PHILLIPS AVE
City	GAFFNEY
State	SC
Zip	29341-4872
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W PHILLIPS AVE LT#41 FM UPWARD BUILDERS $229900
Legal Subdivision	W PHILLIPS AVE
Legal Tract	81
Legal Lot Number	41
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	2
Census Block	2028
Census Tract	970204

Owner

110 W Phillips Ave is owned and occupied by two individuals who acquired it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	110 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
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
Sep 11, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI MORTGAGE OPTIONS
Jan 16, 2020	Warranty Deed, Construction Loan · Construction Mortgage SYNOVUS BK
Nov 5, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Deed Document Number	0001261372
Deed Book / Page	126 / 1372
Last Transfer Date	Sep 11, 2020
Transfer Doc	0000004866
Record Updated	Jun 8, 2026

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Sep 11, 2020
Property Address	110 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0000004866
Instrument Date	Sep 10, 2020
Instrument	4866
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	110 W PHILLIPS AVE GAFFNEY SC 29341, GAFFNEY, SC 29341

Mortgage

Document Number	4867
Date	Sep 11, 2020
Instrument	4867

Lender

Name	MORTGAGE OPTIONS
Type	Mortgage Company
Address	COLUMBIA, SC 29212

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2050

January 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jan 16, 2020
Property Address	110 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001191101
Book / Page	000119 / 001101
Instrument Date	Jan 14, 2020
Instrument	362
Transaction Type	Construction Loan
Record Updated	Jan 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	812 MONTCLAIR CT SPARTANBURG SC 293015348, SPARTANBURG, SC 29301-5348

Mortgage

Document Number	1191105
Date	Jan 16, 2020
Book Page	000119/001105
Instrument	363

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 15, 2021

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Nov 5, 2019
Property Address	110 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001171248
Book / Page	000117 / 001248
Instrument Date	Nov 4, 2019
Instrument	5619
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	115 WILLIAMS RD CHESNEE SC 293238519, CHESNEE, SC 29323-8519

Tax Assessment & Valuation

The 2025 property tax bill for 110 W Phillips Ave was $1,221 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	$1,221.00 Homeowner's exemption	$9,090 Land $720 Building $8,370	$227,200 Land $18,000 Building $209,200
2023	$1,037.00	$9,090 Land $720 Building $8,370	$227,200 Land $18,000 Building $209,200

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 110 W Phillips Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · 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	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 110 W Phillips Ave is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	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	DANIEL MORGAN WATER DISTRICT (1120001) serves 5,746 people · EPA ID SC1120001
Water Source	Purchased surface water from GRASSY POND WATER CO INC
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Jul 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Phillips Ave

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