Cherokee County property record for 200 Saddle Dr, Gaffney, SC 29340
| Property Type | Single Family Home |
|---|---|
| Details | 1,127 sqft · built 1974 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Nov 2024) |
| Tax Bill | $2,748 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010976-23-3 |
| Primary APN | 010976-23-3 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,127 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Siding |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 527 ft deep x 13 ft wide |
| Porch | Slab |
| Street Address | 200 SADDLE DR |
|---|---|
| City | GAFFNEY |
| State | SC |
| Zip | 29340-6741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 200 SADDLE DR LT#4 0.34AC |
| Legal Subdivision | BRIARCREEK SUB |
| Legal Lot Number | 4 |
| Jurisdiction | CHEROKEE SC |
| Township / Civil Division | GAFFNEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970501 |
200 Saddle Dr is owned and occupied by an individual who bought it in November 2024.
Source: Cherokee County records, as of June 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 200 SADDLE DR, GAFFNEY, SC 29340-6741 |
| 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.
| Date | Document |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Jan 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FIN'L |
| Jan 29, 2021 | Grant Deed, Transfer ATTORNEY ONLY |
| Jul 17, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Oct 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STEPHEN HALL ROTH IRA |
| Apr 18, 2019 | Tax Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2024 · Amount on File |
| Deed Sale | Nov 12, 2024 · Amount on File |
| Prior Sale | Jan 29, 2021 · Amount on File |
| Deed Document Number | 20245534 |
| Deed Book / Page | 178 / 553 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | May 29, 2026 |
| Property Address | 200 SADDLE DR, GAFFNEY, SC 29340-6741 |
| Document Number | 0000002950 |
| Book / Page | 199 / 164 |
| Instrument Date | May 22, 2026 |
| Instrument | 20262950 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 200 SADDLE DR, GAFFNEY, SC 29340-6741 |
| Document Number | 0000002950, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 199/164 |
| Instrument | 20262950 |
| Name | NEWREZ LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Property Address | 200 SADDLE DR # 4, 4, GAFFNEY, SC 29340-6741 |
| Document Number | 0040002118 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 200 SADDLE DR GAFFNEY SC 293406741, GAFFNEY, SC 29340-6741 |
| Document Number | 0040002118 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 004000/002118 |
| Instrument | 509 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Jan 29, 2021 |
| Property Address | 200 SADDLE DR # 4, 4, GAFFNEY, SC 29340-6741 |
| Document Number | 0001302116 |
| Book / Page | 000130 / 002116 |
| Instrument Date | Jan 28, 2021 |
| Instrument | 508 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $389.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 SADDLE DR GAFFNEY SC 293406741, GAFFNEY, SC 29340-6741 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Jul 17, 2020 |
| Property Address | 200 SADDLE DR # 4, 4, GAFFNEY, SC 29340-6741 |
| Document Number | 0001241992 |
| Book / Page | 000124 / 001992 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 3668 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $199.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 SADDLE DR GAFFNEY SC 293406741, GAFFNEY, SC 29340-6741 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Property Address | 200 SADDLE DR # 4, 4, GAFFNEY, SC 29340-6741 |
| Document Number | 0001172300 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0001172300 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 000117/002300 |
| Instrument | 5846 |
| Name | STEPHEN HALL ROTH IRA |
|---|---|
| Address | 211 ROPER MEADOW DR, SIMPSONVILLE, SC 29681-4950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Apr 18, 2019 |
| Property Address | 200 SADDLE DR # 4, 4, GAFFNEY, SC 29340-6741 |
| Document Number | 0001112380 |
| Book / Page | 000111 / 002380 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 1841 |
| Transaction Type | Foreclosure |
| Record Updated | May 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $142.08 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 200 SADDLE DR GAFFNEY SC 293406741, GAFFNEY, SC 29340-6741 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 200 Saddle Dr was $2,748 with a homeowner's exemption.
Source: Cherokee County assessment roll, as of November 20, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,748.00 Homeowner's exemption | $8,030 Land $1,500 Building $6,530 | $133,800 Land $25,000 Building $108,800 |
| 2023 | $455.00 | $4,100 Land $320 Building $3,780 | $102,600 Land $8,000 Building $94,600 |
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 200 Saddle Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · 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 risk around 200 Saddle Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DRAYTONVILLE WATER DIST serves 5,456 people · EPA ID SC1120003 |
|---|---|
| Water Source | Purchased surface water from GAFFNEY BPW |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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