20 Cove Rd, Clover, SC 29710 Property Records

York County property record for 20 Cove Rd, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,012 sqft · built 1972
Lot Size	0.202 acres (8,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jun 2023)
Tax Bill	$2,615 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`575-10-01-010`

Property Details

APN / Parcel Number

Primary APN	`575-10-01-010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,012 sqft Living Area
Gross Area	3,851 sqft
1st Floor Area	1,794 sqft
Basement Area	1,218 sqft
Finished Basement	1,218 sqft
Unfinished Basement	945 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Lot Area	8,780 sqft (0.202 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	608 sqft

Location & Zoning

Street Address	20 COVE RD
City	CLOVER
State	SC
Zip	29710-9210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCI
Legal Description	HERITAGE DR
Legal Subdivision	RIVER HILLS
Jurisdiction	YORK SC
Township / Civil Division	CLOVER
Census Block Group	1
Census Block	1004
Census Tract	61710

Owner

Source: York County records, as of May 21, 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	20 COVE RD, CLOVER, SC 29710-9210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage SAGE HOME LOANS CORP
Jun 16, 2023	Warranty Deed, Construction Loan · Construction Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Deed Document Number	202318147
Deed Book / Page	20806 / 358
Prior Transfer Date	Jul 25, 2014
Prior Transfer Doc	1427800156
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	20 COVE RD, CLOVER, SC 29710-9210
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 COVE RD, CLOVER, SC 29710-9210

Mortgage

Document Number	2235500068
Date	Jan 13, 2026
Book Page	22355/68
Instrument	2026001313

Lender

Name	SAGE HOME LOANS CORP
Type	Mortgage Company
Address	1423 RED VENTURES DR # 201, FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

June 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	YORK SC
Recording Date	Jun 16, 2023
Property Address	20 COVE RD, CLOVER, SC 29710-9210
Document Number	2080600358
Book / Page	20806 / 358
Map Reference	MB 37 PG 203
Instrument Date	Jun 8, 2023
Instrument	2023018147
Transaction Type	Construction Loan
Record Updated	Apr 24, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,131.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2023018148
Date	Jun 16, 2023
Instrument	2023018148

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

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	$2,615.00 (+117.37%)	$19,108 (+85.44%) Land $3,933 Building $15,175	$728,800 (+116.73%) Land $150,000 Building $578,800
2023	$1,203.00 (+21.39%) Additional exemption filed	$10,304 (-) Land $3,524 Building $6,780	$336,278 (-) Land $115,000 Building $221,278
2022	$991.00 Additional exemption filed	$10,304 Land $3,524 Building $6,780	$336,278 Land $115,000 Building $221,278

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 September 2, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2006 · 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 95% of the US · lower than 98.6% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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