Horry County property record for 1538 Bay Tree Ln, Surfside Beach, SC 29575
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,999 sqft · built 1996 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $223,000 (Sep 2013) |
| Deeds & Mortgages | Oct 2022 Mortgage Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 459-07-01-0038 |
| Primary APN | 459-07-01-0038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,999 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Pool Area | 640 sqft |
| Deck Area | 126 sqft |
| Patio Area | 27,400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 1538 BAY TREE LN |
|---|---|
| City | SURFSIDE BEACH |
| State | SC |
| Zip | 29575-5290 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEERFIELD; LT 262 |
| Legal Subdivision | DEERFIELD |
| Legal Lot Number | 262 |
| Jurisdiction | HORRY SC |
| Township / Civil Division | MYRTLE BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 51403 |
1538 Bay Tree Ln is owned and occupied by an individual who bought it in September 2013.
Source: Horry County records, as of February 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1538 BAY TREE LN, MYRTLE BEACH, SC 29575-5290 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 13, 2022 | Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Aug 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SERVICE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2013 · Amount on File |
| Deed Sale | Sep 4, 2013 · Amount on File |
| Prior Sale | Feb 3, 2009 · Amount on File |
| Deed Book / Page | 3681 / 3096 |
| Prior Transfer Date | Apr 15, 2013 |
| Prior Transfer Doc | 3650/0231 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HORRY SC |
| Property Address | 1538 BAY TREE LN, MYRTLE BEACH, SC 29575-5290 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1538 BAY TREE LN, MYRTLE BEACH, SC 29575-5290 |
| Document Number | 66120000003161 |
|---|---|
| Date | Oct 13, 2022 |
| Book Page | 0000006612/0000003161 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HORRY SC |
| Property Address | 1538 BAY TREE LN, SURFSIDE BEACH, SC 29575-5290 |
| Document Number | 5908/3068 |
| Instrument Date | Aug 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1538 BAY TREE LN MYRTLE BEACH SC 295755290, MYRTLE BEACH, SC 29575-5290 |
| Document Number | 5908/3068 |
|---|---|
| Date | Aug 14, 2017 |
| Book Page | 005908/003068 |
| Name | SERVICE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 13, 2027 |
Source: Horry County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Horry County |
| Unified School District | Horry County School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2024 | $528,461 (+76.74%) Land $143,750 Building $384,711 | |
| 2023 | $9,097 Land $1,800 Building $7,297 | $299,000 Land $45,000 Building $254,000 |
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.
FEMA maps place 1538 Bay Tree Ln in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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 |
| Flood Insurance Cost | Premium on File median of 90 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 127 units insured incl. 37 condo units |
| Nearby Flood Claims | 21 (1996–2026) |
| Claims Outside the SFHA | 21 of 21 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| Claims by Event |
|
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 1538 Bay Tree Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 98.6% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 | GRAND STRAND W&SA/BULL CREEK serves 252,840 people · EPA ID SC2620004 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024–2026) 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, 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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| HTC Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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