1120 Saddle Dr, York, SC 29745 Property Records

York County property record for 1120 Saddle Dr, York, SC 29745

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,993 sqft · built 1998
Lot Size	4.97 acres (216,845 sqft)
Owner	Individual Name on File
Tax Bill	$2,372 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`391-01-01-005`

Property Details

APN / Parcel Number

Primary APN	`391-01-01-005`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,993 sqft Living Area
Gross Area	3,689 sqft
1st Floor Area	2,493 sqft
2nd Floor Area	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Brick
Lot Area	216,845 sqft (4.97 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Storage Building	960 sqft

Location & Zoning

Street Address	1120 SADDLE DR
City	YORK
State	SC
Zip	29745-8938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCI
Legal Description	TRACT 6 SEC 1 SHILOH FARMS 5.00 AC
Legal Subdivision	SHILOH FARMS
Legal Tract	6
Jurisdiction	YORK SC
Township / Civil Division	YORK
Census Block Group	2
Census Block	2012
Census Tract	61506

Owner

1120 Saddle Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1120 SADDLE DR, YORK, SC 29745-8938
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
Jun 30, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAMILY TRUST FCU
Apr 16, 2018	Deed of Trust, Mortgage · Line of Credit FAMILY TRUST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	1120 SADDLE DR, YORK, SC 29745-8938
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2027500450
Date	Jun 30, 2022
Book Page	20275/450
Instrument	2022029887

Lender

Name	FAMILY TRUST FCU
Type	Credit Union
Address	ROCK HILL, SC 29730

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 30, 2037

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	1120 SADDLE DR, YORK, SC 29745-8938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1692500442
Date	Apr 16, 2018
Book Page	16925/442
Instrument	201800015772

Lender

Name	FAMILY TRUST FCU
Type	Credit Union
Address	ROCK HILL, SC 29730

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1120 Saddle Dr was $2,372.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Unified School District	York School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,372.00	$15,580 Land $3,462 Building $12,118	$546,930 Land $121,530 Building $425,400
2023	$1,999.00 Additional exemption filed	$13,547 Land $2,994 Building $10,553	$339,365 Land $75,000 Building $264,365

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1120 Saddle Dr 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 1120 Saddle Dr is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% 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	CITY OF YORK serves 11,137 people · EPA ID SC4610001
Water Source	Purchased surface water from YORK COUNTY WEST WD
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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