12474 Neely Ferry Rd, Waterloo, SC 29384 Property Records

Laurens County property record for 12474 Neely Ferry Rd, Waterloo, SC 29384

Property Summary

Property Type	Rural Home
Lot Size	6.36 acres (277,477 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Oct 2021)
Tax Bill	$1,720 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`274-00-00-014`

Property Details

APN / Parcel Number

Primary APN	`274-00-00-014`
Alternative APNs	`2740000014 00026103` `00026103`

Exterior

Lot Area	277,477 sqft (6.36 acres)

Location & Zoning

Old Parcel Number	2740000014 00026103
Street Address	12474 NEELY FERRY RD
City	WATERLOO
State	SC
Zip	29384-2910
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DIST:55 MAP REF:1610-34 A555-2
Legal Subdivision	KIM S BETHEL
Jurisdiction	LAURENS SC
Township / Civil Division	CROSS HILL
Census Block Group	1
Census Block	1007
Census Tract	921001

Owner

Source: Laurens County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12474 NEELY FERRY RD, WATERLOO, SC 29384-2910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Oct 26, 2021	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 21, 2021	Deed, Transfer · Stand-Alone First Mortgage KRISTOPHER FOX SEP IRA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	2021009965
Deed Book / Page	D1610 / 34
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAURENS SC
Property Address	12474 NEELY FERRY RD, WATERLOO, SC 29384-2910
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12474 NEELY FERRY RD, WATERLOO, SC 29384-2910

Mortgage

Document Number	0M26800064
Date	Mar 24, 2021
Book Page	M2680/64
Instrument	2021002527

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	SIMPSONVILLE, SC 29681

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 19, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAURENS SC
Recording Date	Oct 26, 2021
Property Address	12474 NEELY FERRY RD, WATERLOO, SC 29384-2910
Document Number	0D16100034
Book / Page	D1610 / 34
Map Reference	MB PCA555 PG 2-2
Instrument Date	Oct 22, 2021
Instrument	2021009965
Transaction Type	Transfer
Record Updated	Apr 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12474 NEELY FERRY RD, WATERLOO, SC 29384-2910

Mortgage

Document Number	2021009966
Date	Oct 26, 2021
Instrument	2021009966

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAURENS SC
Recording Date	Jun 21, 2021
Property Address	12474 NEELY FERRY RD, WATERLOO, SC 29384-2910
Document Number	0D15810280
Book / Page	D1581 / 280
Map Reference	MB PCA555 PG 2-2
Instrument Date	Jun 15, 2021
Instrument	2021005582
Transaction Type	Transfer
Record Updated	Apr 20, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021005583
Date	Jun 21, 2021
Instrument	2021005583

Lender

Name	KRISTOPHER FOX SEP IRA
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Laurens County
Unified School District	Laurens School District 55 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,720.00 (+4.56%)	$10,000 (-) Land $160 Building $9,840
2024	$1,645.00 (+45.19%)	$10,000 (-) Land $160 Building $9,840
2023	$1,133.00 (-28.47%)	$10,000 (-)	$249,870 (-6.64%) Land $3,870 Building $246,000
2022	$1,584.00	$10,000 Land $160 Building $9,840	$267,650 (-) Land $21,650 Building $246,000
2021			$267,650 Land $21,650 Building $246,000

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 June 20, 2019 · 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	3 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	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Piedmont Rural Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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