196 Harbor Crest Dr, Waterloo, SC 29384 Property Records

Laurens County property record for 196 Harbor Crest Dr, Waterloo, SC 29384

Property Summary

Property Type	Mobile Home
Lot Size	2.35 acres (102,366 sqft)
Owner	Individual Name on Record
Tax Bill	$793 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Dec 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242-00-00-050`

Property Details

APN / Parcel Number

Primary APN	`242-00-00-050`
Alternative APNs	`2420000050 00745693` `00745693`

Exterior

Architectural Style	Mobile Home
Lot Area	102,366 sqft (2.35 acres)

Location & Zoning

Street Address	196 HARBOR CREST DR
City	WATERLOO
State	SC
Zip	29384-3641
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 2 HARBOR CREST PHASE I
Legal Subdivision	HARBOR CREST
Legal Phase	1
Legal Lot Number	2
Jurisdiction	LAURENS SC
Township / Civil Division	PRINCETON
Census Block Group	3
Census Block	3035
Census Tract	920202

Owner

Source: Laurens County records, as of February 3, 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	196 HARBOR CREST DR, WATERLOO, SC 29384-3641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Quit Claim Deed, Transfer · FHA Mortgage CHANGE LENDING LLC
Dec 8, 2023	Deed of Distribution, Transfer
Nov 21, 2023	Deed of Distribution, Transfer
Apr 25, 2017	Warranty Deed, Transfer · VA Mortgage TOP FLITE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2024
Deed Sale	Apr 8, 2024
Prior Sale	Apr 25, 2017 · Amount on Record
Deed Document Number	20242654
Deed Book / Page	1808 / 65
Record Updated	Sep 20, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAURENS SC
Recording Date	Apr 8, 2024
Property Address	196 HARBOR CREST DR, WATERLOO, SC 29384-3641
Document Number	0D18080065
Book / Page	D1808 / 65
Map Reference	MB A PG 5
Instrument Date	Mar 16, 2024
Instrument	2024002654
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$416.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2024002655
Date	Apr 8, 2024
Instrument	2024002655

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

December 2023: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	LAURENS SC
Recording Date	Dec 8, 2023
Property Address	196 HARBOR CREST DR, WATERLOO, SC 29384-3641
Document Number	0D17820098
Book / Page	D1782 / 98
Map Reference	MB A-319 PG 5
Instrument Date	Nov 8, 2023
Instrument	2023009981
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 ELM ST, UXBRIDGE, MA 01569-3101

November 2023: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	LAURENS SC
Recording Date	Nov 21, 2023
Property Address	196 HARBOR CREST DR, WATERLOO, SC 29384-3641
Document Number	0D17780231
Book / Page	D1778 / 231
Map Reference	MB A-319 PG 5
Instrument Date	Nov 8, 2023
Instrument	2023009518
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 ELM ST, UXBRIDGE, MA 01569-3101

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAURENS SC
Recording Date	Apr 25, 2017
Property Address	196 HARBOR CREST DR, WATERLOO, SC 29384-3641
Document Number	0013190221
Book / Page	001319 / 000221
Instrument Date	Mar 29, 2017
Instrument	3804
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 HARBOR CREST DR WATERLOO SC 293843641, WATERLOO, SC 29384-3641

Mortgage

Document Number	23480174
Date	Apr 25, 2017
Book Page	002348/000174
Instrument	3805

Lender

Name	TOP FLITE FIN'L
Type	Funding / Finance Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2047

Tax Assessment & Valuation

Source: Laurens County assessment roll, as of February 3, 2026

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	$793.00 (-13.62%) Homeowner's exemption	$6,410 (-) Land $2,070 Building $4,340
2024	$918.00 (-39.29%) Homeowner's exemption	$6,410 (+32.44%) Land $2,070 Building $4,340
2023	$1,512.00 (+502.39%) Homeowner's exemption	$4,840 (+49.85%)	$80,700 (-1.94%) Building $80,700
2022	$251.00 Homeowner's exemption	$3,230 Land $780 Building $2,450	$82,300 (-48.63%) Land $20,300 Building $62,000
2021			$160,200 Land $51,700 Building $108,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2013–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2017 · rainfall accumulation

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	Low lower than 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.03% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Piedmont Rural Telephone Cooperative Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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