115 W Phillips Ave, Gaffney, SC 29341 Property Records

Cherokee County property record for 115 W Phillips Ave, Gaffney, SC 29341

Property Summary

Property Type	Single Family Home
Details	1,707 sqft · built 2020
Lot Size	1.28 acres (55,757 sqft)
Owner	Individual Name on File
Last Sale	$219,900 (Aug 2020)
Tax Bill	$1,142 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010325-23-3`

Property Details

APN / Parcel Number

Primary APN	`010325-23-3`
Alternative APNs	`0580000047043 00013754` `058-00-00-047.043` `010402223`

Interior

Stories	1 Story
Building Area	1,707 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Lot Area	55,757 sqft (1.28 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	115 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#43 FM UPWARD LEASE $219900 RB PD IN 09 ADDRESS PER LK 911
Legal Subdivision	W PHILLIPS AVE
Legal Tract	81
Legal Lot Number	43
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	2
Census Block	2028
Census Tract	970204

Owner

115 W Phillips Ave is owned and occupied by an individual who bought it in August 2020.

Source: Cherokee County records, as of November 20, 2025

Owner of Record	Individual Name on File
Mailing Address	115 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
Aug 18, 2020	Deed of Trust, Mortgage UNITED CMNTY BK
Jul 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 13, 2020	Quit Claim Deed, Construction Loan · Line of Credit CITIZENS BLDG & LOAN SSB
Jan 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Nov 5, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Feb 13, 2020 · Amount on File
Deed Document Number	20204399
Deed Book / Page	125 / 2232
Prior Transfer Date	Feb 12, 2020
Prior Transfer Doc	0001200264
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	115 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001252234
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 W PHILLIPS AVE GAFFNEY SC 29341, GAFFNEY, SC 29341

Mortgage

Document Number	0001252234
Date	Aug 20, 2020
Book Page	000125/002234
Instrument	4400

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jul 23, 2020
Property Address	115 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001242495
Book / Page	000124 / 002495
Instrument Date	Jul 22, 2020
Instrument	3770
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	W PHILLIPS AVE GAFFNEY SC 29341, GAFFNEY, SC 29341
Investor	Possibly a Property Investor

February 2020: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE SC
Recording Date	Feb 13, 2020
Property Address	115 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001200264
Book / Page	000120 / 000264
Instrument Date	Feb 13, 2020
Instrument	847
Transaction Type	Construction Loan
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

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	1200267
Date	Feb 13, 2020
Book Page	000120/000267
Instrument	848

Lender

Name	CITIZENS BLDG & LOAN SSB
Type	Funding / Finance Company
Address	GREER, SC 29651

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 12, 2021

Interest

Rate Type	Adjustable Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jan 16, 2020
Property Address	115 W PHILLIPS AVE, GAFFNEY, SC 29341-4872
Document Number	0001191133
Book / Page	000119 / 001133
Instrument Date	Jan 14, 2020
Instrument	367
Transaction Type	Transfer
Record Updated	Jan 29, 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
Address	812 MONTCLAIR CT SPARTANBURG SC 293015348, SPARTANBURG, SC 29301-5348

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Nov 5, 2019
Property Address	115 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 115 W Phillips Ave was $1,142 with a homeowner's exemption.

Source: Cherokee County assessment roll, as of November 20, 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	$1,142.00 Homeowner's exemption	$8,500 Land $720 Building $7,780	$212,500 Land $18,000 Building $194,500
2023	$970.00	$8,500 Land $720 Building $7,780	$212,500 Land $18,000 Building $194,500

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 115 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 115 W Phillips Ave is moderate, ranking above 45% 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 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)

Nearby Properties on W Phillips Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures