1865 Tom Joye Rd, Clover, SC 29710 Property Records

York County property record for 1865 Tom Joye Rd, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,452 sqft · built 1998
Lot Size	1.41 acres (61,681 sqft)
Owner	Individual Name on File
Last Sale	$237,500 (Feb 2018)
Tax Bill	$1,394 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`360-00-00-058`

Property Details

APN / Parcel Number

Primary APN	`360-00-00-058`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,452 sqft Living Area
Gross Area	3,083 sqft
1st Floor Area	1,752 sqft
2nd Floor Area	700 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Lot Area	61,681 sqft (1.41 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	169 sqft

Location & Zoning

Street Address	1865 TOM JOYE RD
City	CLOVER
State	SC
Zip	29710-7605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCI
Legal Description	(1.416 AC) SHADOW LAKES
Legal Subdivision	SHADOW LAKES
Jurisdiction	YORK SC
Township / Civil Division	CLOVER
Census Block Group	3
Census Block	3034
Census Tract	61802

Owner

1865 Tom Joye Rd is owned and occupied by an individual who bought it in February 2018.

Source: York County records, as of May 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1865 TOM JOYE RD, CLOVER, SC 29710-7605
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 21, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2018 · Amount on File
Deed Sale	Feb 21, 2018 · Amount on File
Prior Sale	Jul 2, 1998 · Amount on File
Deed Document Number	20187226
Deed Book / Page	16839 / 146
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	1865 TOM JOYE RD, CLOVER, SC 29710-7605
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2195800052
Date	Jun 9, 2025
Book Page	21958/52
Instrument	2025018772

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2045

Interest

Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	1865 TOM JOYE RD, CLOVER, SC 29710-7605
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1988000063
Date	Dec 29, 2021
Book Page	19880/63
Instrument	2021073834

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK SC
Recording Date	Feb 21, 2018
Property Address	1865 TOM JOYE RD, CLOVER, SC 29710-7605
Document Number	1683900146
Book / Page	16839 / 146
Map Reference	MB A317 PG 4
Instrument Date	Feb 21, 2018
Instrument	201800007226
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$878.75
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 SMITH ST, 104, WHITMIRE, SC 29178-1010

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1865 TOM JOYE RD, CLOVER, SC 29710-7605

Mortgage

Document Number	201800007227
Date	Feb 21, 2018
Instrument	201800007227

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1865 Tom Joye Rd was $1,394.

Source: York County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Unified School District	York School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,394.00	$11,101 Land $1,258 Building $9,843	$335,400 Land $38,000 Building $297,400
2023	$1,284.00	$9,653 Land $1,360 Building $8,293	$241,323 Land $34,000 Building $207,323

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

FEMA maps place 1865 Tom Joye Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 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
Nearby Flood Policies	1 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

Wildfire risk around 1865 Tom Joye Rd is moderate, ranking above 40% of the US, with a 0.05% 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	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	YORK COUNTY WEST WD private · serves 18,273 people · EPA ID SC4620003
Water Source	Purchased surface water from CITY OF ROCK HILL
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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