111 W Phillips Ave, Gaffney, SC 29341 Property Records

Cherokee County property record for 111 W Phillips Ave, Gaffney, SC 29341

Property Summary

Property Type	Single Family Home
Details	1,752 sqft · built 2020
Lot Size	0.939 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$307,000 (Jun 2023)
Tax Bill	$1,594 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011232-23-3`

Property Details

APN / Parcel Number

Primary APN	`011232-23-3`
Alternative APNs	`0580000047042 00013753` `058-00-00-047.042` `011294223`

Interior

Stories	1 Story
Building Area	1,752 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Siding
Lot Area	40,946 sqft (0.939 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Location & Zoning

Old Parcel Number	0580000047042 00013753
Street Address	111 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#42 FM UPWARD BUILDERS $219900 FM HALL $307000
Legal Subdivision	W PHILLIPS AVE
Legal Tract	81
Legal Lot Number	42
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	2
Census Block	2028
Census Tract	970204

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	111 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Deed, Transfer · FHA Mortgage MIDLAND MORTGAGE CORP
Jul 23, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage GUILD MTG
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	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	202300003071
Deed Book / Page	160 / 2260
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jun 1, 2023
Property Address	111 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001602260
Book / Page	160 / 2260
Map Reference	VOL 123 PG 266
Instrument Date	May 30, 2023
Instrument	202300003071
Transaction Type	Transfer
Record Updated	Apr 8, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	111 W PHILLIPS AVE, GAFFNEY, SC 29341-4872

Mortgage

Document Number	202300003072
Date	Jun 1, 2023
Instrument	202300003072

Lender

Name	MIDLAND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jul 23, 2020
Property Address	111 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001242497
Book / Page	000124 / 002497
Instrument Date	Jul 21, 2020
Instrument	3771
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 W PHILLIPS AVE GAFFNEY SC 29341, GAFFNEY, SC 29341

Mortgage

Document Number	1242499
Date	Jul 23, 2020
Book Page	000124/002499
Instrument	3772

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

Interest

Rate	7%

January 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jan 16, 2020
Property Address	111 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001191115
Book / Page	000119 / 001115
Instrument Date	Jan 14, 2020
Instrument	364
Transaction Type	Construction Loan
Record Updated	Jan 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
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	1191119
Date	Jan 16, 2020
Book Page	000119/001119
Instrument	365

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
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	111 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

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	$1,594.00 (+65.18%) Homeowner's exemption	$11,860 (+40.19%) Land $1,800 Building $10,060	$296,400 (+40.21%) Land $45,000 Building $251,400
2023	$965.00 (+4.66%)	$8,460 (-) Land $720 Building $7,740	$211,400 (-) Land $18,000 Building $193,400
2022	$922.00	$8,460 Land $720 Building $7,740	$211,400 Land $18,000 Building $193,400

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 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

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

Wildfire Risk	Moderate above 45% of the US · lower than 62% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 and 4G LTE (outdoors only)

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