12 Courageous St, Clover, SC 29710 Property Records

York County property record for 12 Courageous St, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,992 sqft · built 1983
Lot Size	0.506 acres (22,032 sqft)
Owner	2 Individual Names on File
Last Sale	$937,000 (Dec 2023)
Tax Bill	$4,982 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`578-00-00-019`

Property Details

APN / Parcel Number

Primary APN	`578-00-00-019`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,992 sqft Living Area
Gross Area	6,242 sqft
1st Floor Area	1,800 sqft
Basement Area	2,192 sqft
Finished Basement	2,192 sqft
Unfinished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Lot Area	22,032 sqft (0.506 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	844 sqft
Patio Area	192 sqft

Location & Zoning

Street Address	12 COURAGEOUS ST
City	CLOVER
State	SC
Zip	29710-9281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCI
Legal Description	LOT 30 COM PT
Legal Subdivision	RIVER HILLS
Legal Lot Number	30
Jurisdiction	YORK SC
Township / Civil Division	CLOVER
Census Block Group	1
Census Block	1004
Census Tract	61710

Owner

12 Courageous St is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 COURAGEOUS ST, CLOVER, SC 29710-9281
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 28, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jan 27, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Dec 20, 2023	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on File
Deed Sale	Dec 20, 2023 · Amount on File
Prior Sale	Sep 4, 2013 · Amount on File
Deed Document Number	202339734
Deed Book / Page	21093 / 112
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	12 COURAGEOUS ST, CLOVER, SC 29710-9281
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2092000306
Date	Aug 28, 2023
Book Page	20920/306
Instrument	2023026811

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	12 COURAGEOUS ST, CLOVER, SC 29710-9281
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2215300059
Date	Sep 24, 2025
Book Page	22153/59
Instrument	2025032362

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

Interest

Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	12 COURAGEOUS ST, CLOVER, SC 29710-9281
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 COURAGEOUS ST, LAKE WYLIE, SC 29710-9281

Mortgage

Document Number	2172100201
Date	Jan 27, 2025
Book Page	21721/201
Instrument	2025002413

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	YORK SC
Recording Date	Dec 20, 2023
Property Address	12 COURAGEOUS ST, CLOVER, SC 29710-9281
Document Number	2109300112
Book / Page	21093 / 112
Map Reference	MB A251 PG 9
Instrument Date	Dec 20, 2023
Instrument	2023039734
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,436.20
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	12 COURAGEOUS ST, LAKE WYLIE, SC 29710-9281

Mortgage

Document Number	2023039735
Date	Dec 20, 2023
Instrument	2023039735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	12 COURAGEOUS ST, LAKE WYLIE, SC 29710-9281
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1888500421
Date	Dec 31, 2020
Book Page	18885/421
Instrument	2020064990

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 12 Courageous St was $4,982.

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 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,982.00	$36,396 Land $6,000 Building $30,396	$909,900 Land $150,000 Building $759,900
2023	$2,774.00	$19,151 Land $5,000 Building $14,151	$478,771 Land $125,000 Building $353,771

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 12 Courageous St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2006 · rainfall accumulation

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 12 Courageous St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.4% of South Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	YORK COUNTY WEST WD private · serves 18,273 people · EPA ID SC4620003
Water Source	Purchased surface water from CITY OF ROCK HILL
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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