Spartanburg County property record for 120 Gray St, Spartanburg, SC 29307
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1960 |
| Lot Size | 0.479 acres (20,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $692 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-1700-04800 |
| Primary APN | 3-1700-04800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 1,268 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Vinyl |
| Foundation Type | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,900 sqft |
| Lot Dimensions | 209 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Water Source | Well |
| Account Number | 59004 |
|---|---|
| Street Address | 120 GRAY ST |
| City | SPARTANBURG |
| State | SC |
| Zip | 29307-4005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 R B HARVEY SUB PB 29-365 |
| Legal Subdivision | R B HARVEY SUB |
| Legal Lot Number | 4 |
| Jurisdiction | SPARTANBURG SC |
| Township / Civil Division | SPARTANBURG |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 22201 |
120 Gray St is owned and occupied by an individual who acquired it in October 2022.
Source: Spartanburg County records, as of November 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 GRAY ST, SPARTANBURG, SC 29307-4005 |
| 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.
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed, Transfer · Conventional Mortgage FOUNDERS FCU |
| Aug 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 17, 2022 |
| Transfer Doc | 0000052893 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SPARTANBURG SC |
| Recording Date | Oct 17, 2022 |
| Property Address | 120 GRAY ST, SPARTANBURG, SC 29307-4005 |
| Document Number | 0000052893 |
| Book / Page | 139-J / 455 |
| Map Reference | MB 29 PG 365 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2022-52893 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.60 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 GRAY ST, SPARTANBURG, SC 29307-4005 |
| Document Number | 0000052894 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 2022-52894 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 5, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 5, 2037 |
| Min Rate At Change | 3% |
| Max Rate At Change | 2.87% |
| Max Rate | 12.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPARTANBURG SC |
| Property Address | 120 GRAY ST, SPARTANBURG, SC 29307-4005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038871 |
|---|---|
| Date | Aug 23, 2018 |
| Book Page | 5494/0883 |
| Instrument | 2018-38871 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 120 Gray St was $692, up 1.5% from the year before.
Source: Spartanburg County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Spartanburg County |
| Unified School District | Spartanburg School District 3 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $692.00 (+1.47%) | $3,520 Land $320 Building $3,200 | $88,000 Land $8,000 Building $80,000 |
| 2024 | $682.00 (+5.08%) | ||
| 2023 | $649.00 | $3,520 Land $320 Building $3,200 | $88,000 Land $8,000 Building $80,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Gray St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 2, 2022 · 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 | 2 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 risk around 120 Gray St is moderate, ranking above 40% of the US, with a 0.07% 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPARTANBURG WATER SYSTEM serves 166,364 people · EPA ID SC4210001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2021 |
| 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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