Laurens County property record for 1173 Proctor Cir, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $778,000 (Sep 2025) |
| Tax Bill | $2,212 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Sep 2025 Sale + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 280-01-01-038 |
| Primary APN | 280-01-01-038 |
|---|---|
| Alternative APN |
|
| Lot Area | 38,333 sqft (0.88 acres) |
|---|
| Street Address | 1173 PROCTOR CIR |
|---|---|
| City | WATERLOO |
| State | SC |
| Zip | 29384-4564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4 & 4A |
| Legal Subdivision | SUNRISE POINTE SUBDIVISION |
| Legal Lot Number | 4 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | PRINCETON |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 920202 |
Source: Laurens County records · APN 280-01-01-038
Assessment roll updated February 3, 2026 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 24140 GOLDEN EAGLE LN, BONITA SPRINGS, FL 34135-9609 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Line of Credit FINEMARK NATIONAL BANK & TRUST |
| Sep 15, 2025 | Deed, Transfer |
| Jun 28, 2021 | Deed of Trust, Mortgage · Commercial Mortgage THE FEDERAL SAVINGS BANK |
| Aug 10, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on Record |
| Deed Sale | Sep 15, 2025 · Amount on Record |
| Prior Sale | Apr 13, 2020 · Amount on Record |
| Deed Document Number | 20258292 |
| Deed Book / Page | 1934 / 186 |
| Prior Transfer Date | Jul 23, 2021 |
| Prior Transfer Doc | 0D15920218 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 1173 PROCTOR CIR, WATERLOO, SC 29384-4564 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M32140262 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | M3214/262 |
| Instrument | 2025009521 |
| Name | FINEMARK NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | 8695 COLLEGE PKWY STE 100, FORT MYERS, FL 33919 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 11.1% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Sep 15, 2025 |
| Property Address | 1173 PROCTOR CIR, WATERLOO, SC 29384-4564 |
| Document Number | 0D19340186 |
| Book / Page | D1934 / 186 |
| Map Reference | MB A871 PG 6 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 2025008292 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,022.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24140 GOLDEN EAGLE LN, BONITA SPRINGS, FL 34135-9609 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 1173 PROCTOR CIR, WATERLOO, SC 29384-4564 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M27140154 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | M2714/154 |
| Instrument | 2021005845 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | May 15, 2022 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Aug 10, 2021 |
| Property Address | 1173 PROCTOR CIR, WATERLOO, SC 29384-4564 |
| Document Number | 0D15920218 |
| Book / Page | D1592 / 218 |
| Map Reference | MB A871 PG 6 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 2021007358 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1173 PROCTOR CIR, WATERLOO, SC 29384-4564 |
| Document Number | 2021007359 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 2021007359 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
Source: Laurens County records · Assessment roll updated February 3, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Laurens County |
| Unified School District | Laurens School District 55 (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,212.00 (+4.64%) | $22,500 (+5%) Land $6,600 Building $15,900 | |
| 2024 | $2,114.00 (+45.99%) Homeowner's exemption | $15,000 (-) Land $4,400 Building $10,600 | |
| 2023 | $1,448.00 (-28.88%) Homeowner's exemption | $15,000 (-) Land $4,400 Building $10,600 | $375,000 (-) Land $110,000 Building $265,000 |
| 2022 | $2,036.00 Homeowner's exemption | $15,000 Land $4,400 Building $10,600 | $375,000 (-) Land $110,000 Building $265,000 |
| 2021 | $375,000 Land $110,000 Building $265,000 |
Source: FEMA National Flood Hazard Layer as of June 20, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Wildfire Risk | Moderate above 40% of the US · lower than 78% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Piedmont Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 17 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAURENS COUNTY W&S COMM serves 44,866 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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