Horry County property record for 1646 Bay Tree Ln, Surfside Beach, SC 29575
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,914 sqft · built 1977 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $460,000 (May 2025) |
| Tax Bill | $1,373 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 459-07-01-0027 |
| Primary APN | 459-07-01-0027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,914 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| 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 | 475 sqft |
| Deck Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 1646 BAY TREE LN |
|---|---|
| City | SURFSIDE BEACH |
| State | SC |
| Zip | 29575-5253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEERFIELD; LT 251 |
| Legal Subdivision | DEERFIELD |
| Legal Lot Number | 251 |
| Jurisdiction | HORRY SC |
| Township / Civil Division | MYRTLE BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 51403 |
Source: Horry County records, as of February 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1646 BAY TREE LN, MYRTLE BEACH, SC 29575-5253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage SMALL BUSINESS ADMINISTRATION |
| Nov 3, 2023 | Warranty Deed, Transfer |
| Oct 24, 2023 | Warranty Deed, Transfer · VA Mortgage PLAINS COMMERCE BANK |
| Jan 10, 2023 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2025 · Amount on Record |
| Deed Sale | May 27, 2025 · Amount on Record |
| Prior Sale | Nov 3, 2023 |
| Deed Document Number | 202556500 |
| Deed Book / Page | 4948 / 1517 |
| Prior Transfer Date | Nov 2, 2023 |
| Prior Transfer Doc | 0047421383 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HORRY SC |
| Property Address | 1646 BAY TREE LN, MYRTLE BEACH, SC 29575-5253 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1646 BAY TREE LN, SURFSIDE BEACH, SC 29575-5253 |
| Document Number | 69580000000831 |
|---|---|
| Date | Oct 7, 2025 |
| Book Page | 0000006958/0000000831 |
| Instrument | 2025000110060 |
| Name | SMALL BUSINESS ADMINISTRATION |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HORRY SC |
| Recording Date | Nov 3, 2023 |
| Property Address | 1646 BAY TREE LN, MYRTLE BEACH, SC 29575-5253 |
| Document Number | 0047421383 |
| Book / Page | 4742 / 1383 |
| Instrument Date | Nov 2, 2023 |
| Instrument | 2023000122268 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1646 BAY TREE LN, SURFSIDE BEACH, SC 29575-5253 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HORRY SC |
| Recording Date | Oct 24, 2023 |
| Property Address | 1646 BAY TREE LN, MYRTLE BEACH, SC 29575-5253 |
| Document Number | 0047372578 |
| Book / Page | 4737 / 2578 |
| Instrument Date | Oct 20, 2023 |
| Instrument | 2023000117245 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15.84 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1646 BAY TREE LN, SURFSIDE BEACH, SC 29575-5253 |
| Document Number | 67250000003094 |
|---|---|
| Date | Oct 24, 2023 |
| Book Page | 0000006725/0000003094 |
| Name | PLAINS COMMERCE BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HORRY SC |
| Recording Date | Jan 10, 2023 |
| Property Address | 1646 BAY TREE LN, MYRTLE BEACH, SC 29575-5253 |
| Document Number | 0046312637 |
| Book / Page | 4631 / 2637 |
| Instrument Date | Jan 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1646 BAY TREE LN, SURFSIDE BEACH, SC 29575-5253 |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,373.00 | ||
| 2024 | $1,373.00 | $15,967 (+142.81%) Land $5,750 Building $10,217 | $399,184 (+129.28%) Land $143,750 Building $255,434 |
| 2023 | $6,576 (-5.57%) Land $1,800 Building $4,776 | $174,100 (-) Land $45,000 Building $129,100 | |
| 2021 | $711.00 | $6,964 Land $1,800 Building $5,164 | $174,100 Land $45,000 Building $129,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures