201 Harbor Point Rd, Seneca, SC 29672 Property Records

Oconee County property record for 201 Harbor Point Rd, Seneca, SC 29672

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,020 sqft · built 2023
Lot Size	1.75 acres (76,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Feb 2021)
Tax Bill	$12,728 (2025)
Deeds & Mortgages	Jul 2023 Construction Loan Apr 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`109-01-01-037`

Property Details

APN / Parcel Number

Primary APN	`109-01-01-037`
Alternative APN	`1073559`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,020 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	76,230 sqft (1.75 acres)
Lot Dimensions	0.1 ft deep x 11.3 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1073559
Street Address	201 HARBOR POINT RD
City	SENECA
State	SC
Zip	29672-0488
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 (1.75 AC)
Legal Subdivision	HARBOR POINT SUBDIVISON
Legal Lot Number	37
Jurisdiction	OCONEE SC
Township / Civil Division	WALHALLA
Census Block Group	2
Census Block	2011
Census Tract	30302

Owner

Source: Oconee County records, as of July 13, 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	201 HARBOR POINT RD, SENECA, SC 29672-0488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · Construction Mortgage NORTHPOINTE BANK
Apr 29, 2022	Deed of Trust, Mortgage · Construction Mortgage NORTHPOINTE BANK
Feb 11, 2021	Deed, Transfer · Conventional Mortgage FOUNDERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2021 · Amount on Record
Deed Sale	Feb 11, 2021 · Amount on Record
Deed Document Number	202112819
Deed Book / Page	2653 / 145
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	201 HARBOR POINT RD, SENECA, SC 29672-0488
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 NOBLE VINES DR, BUFORD, GA 30519-6112

Mortgage

Document Number	0000000240
Date	Jul 10, 2023
Book Page	4466/127
Instrument	240

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	11.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Change Frequency	6 Months
Min Rate At Change	6.57%
Max Rate At Change	16.5%
Max Rate	16.5%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	201 HARBOR POINT RD, SENECA, SC 29672-0488
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017242
Date	Apr 29, 2022
Book Page	4325/50
Instrument	17242

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	8.37%
Index	Other

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OCONEE SC
Recording Date	Feb 11, 2021
Property Address	201 HARBOR POINT RD, SENECA, SC 29672-0488
Document Number	0000012819
Book / Page	2653 / 145
Instrument Date	Nov 18, 2020
Instrument	12819
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
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
Address	201 HARBOR POINT RD, SENECA, SC 29672-0488

Mortgage

Document Number	0000012820
Date	Feb 11, 2021
Book Page	4099/252
Instrument	12820

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Dec 5, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,728.00	$39,486 (+611.46%) Land $5,550 Building $33,936	$987,160 (+611.47%) Land $138,750 Building $848,410
2023		$5,550 Land $5,550	$138,750 Land $138,750

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 December 21, 2017 · 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	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · above 71% of South Carolina
Wildfire Likelihood	0.2% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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