121 Gray St, Spartanburg, SC 29307 Property Records

Spartanburg County property record for 121 Gray St, Spartanburg, SC 29307

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,584 sqft · built 1960
Lot Size	0.939 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$176,275 (Jul 2021)
Tax Bill	$830 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-1700-05800`

Property Details

APN / Parcel Number

Primary APN	`3-1700-05800`
Alternative APN	`59015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	1,828 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	40,946 sqft (0.939 acres)
Lot Dimensions	211 ft deep x 200 ft wide
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Well

Location & Zoning

Account Number	59015
Street Address	121 GRAY ST
City	SPARTANBURG
State	SC
Zip	29307-4006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 T R MCGAHA SUB PB 148-943
Legal Subdivision	T R MCGAHA SUB
Legal Lot Number	3-4 4
Jurisdiction	SPARTANBURG SC
Township / Civil Division	SPARTANBURG
Census Block Group	3
Census Block	3040
Census Tract	22201

Owner

Source: Spartanburg County records, as of November 24, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	121 GRAY ST, SPARTANBURG, SC 29307-4006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Jul 16, 2021	Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Jan 26, 2012
Deed Document Number	2021-39480
Deed Book / Page	133-A / 3
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPARTANBURG SC
Property Address	121 GRAY ST, SPARTANBURG, SC 29307-4006
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 GRAY ST, SPARTANBURG, SC 29307-4006

Mortgage

Document Number	0000053621
Date	Nov 24, 2025
Book Page	7109/475
Instrument	2025-53621

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	23902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SPARTANBURG SC
Recording Date	Jul 16, 2021
Property Address	121 GRAY ST, SPARTANBURG, SC 29307-4006
Document Number	0000039480
Book / Page	133-A / 3
Map Reference	MB 148 PG 943
Instrument Date	Jun 16, 2021
Instrument	2021-39480
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.90
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	121 GRAY ST, SPARTANBURG, SC 29307-4006

Mortgage

Document Number	0000039481
Date	Jul 16, 2021
Book Page	6146/194
Instrument	2021-39481

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

Source: Spartanburg County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Spartanburg County
Unified School District	Spartanburg School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$830.00 (+1.22%)	$6,324 (-) Land $320 Building $6,004	$158,100 (-) Land $8,000 Building $150,100
2024	$820.00 (+5.26%)
2023	$779.00	$6,324 Land $320 Building $6,004	$158,100 Land $8,000 Building $150,100

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

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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