Cherokee County property record for 203 W Oneal St, Gaffney, SC 29340
| Property Type | Single Family Home |
|---|---|
| Details | 1,702 sqft · built 1956 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Mar 2026) |
| Tax Bill | $988 (2025) |
| Deeds & Mortgages | Sep 2024 Line of Credit Mar 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019242-23-3 |
| Primary APN | 019242-23-3 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,702 sqft Living Area |
| Basement Area | 454 sqft |
| Unfinished Basement | 454 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Brick Veneer |
| Lot Area | 22,651 sqft (0.52 acres) |
| Porch | Slab |
| Street Address | 203 W ONEAL ST |
|---|---|
| City | GAFFNEY |
| State | SC |
| Zip | 29340-2141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GF |
| Legal Description | 203 W ONEAL ST FM MILLEA $132500 FM SOUTHSIDE $85000/QUITCLAIM $10 |
| Legal Subdivision | PLAT OF HAMRICK LAND COMPANY |
| Legal Tract | PD |
| Jurisdiction | CHEROKEE SC |
| Township / Civil Division | GAFFNEY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970601 |
203 W Oneal St is owned and occupied by an individual who bought it in March 2026.
Source: Cherokee County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 203 W ONEAL ST, GAFFNEY, SC 29340-2141 |
| 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 |
|---|---|
| Sep 9, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST PIEDMONT FSLA |
| Mar 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Jan 25, 2023 | Deed, Transfer · Conventional Mortgage FIRST PIEDMONT FSLA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2026 · Amount on File |
| Deed Sale | Mar 11, 2026 · Amount on File |
| Prior Sale | Jan 25, 2023 · Amount on File |
| Deed Document Number | 20261282 |
| Deed Book / Page | 195 / 1740 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Property Address | 203 W ONEAL ST, GAFFNEY, SC 29340-2141 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 203 W ONEAL ST, GAFFNEY, SC 29340-2141 |
| Document Number | 0001760379 |
|---|---|
| Date | Sep 9, 2024 |
| Book Page | 176/379 |
| Instrument | 2024-4486 |
| Name | FIRST PIEDMONT FSLA |
|---|---|
| Type | Bank |
| Address | GAFFNEY, SC 29340 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 5, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Mar 11, 2026 |
| Property Address | 203 W ONEAL ST, GAFFNEY, SC 29340-2141 |
| Document Number | 0001951740 |
| Book / Page | 195 / 1740 |
| Instrument Date | Mar 10, 2026 |
| Instrument | 2026-1282 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 W ONEAL ST, GAFFNEY, SC 29340-2141 |
| Document Number | 0020261283 |
|---|---|
| Date | Mar 11, 2026 |
| Instrument | 2026-1283 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Jan 25, 2023 |
| Property Address | 203 W ONEAL ST, GAFFNEY, SC 29340-2141 |
| Document Number | 0001561535 |
| Book / Page | 156 / 1535 |
| Map Reference | MB 3-W PG 66 |
| Instrument Date | Jan 20, 2023 |
| Instrument | 202300000470 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 W ONEAL ST, GAFFNEY, SC 29340-2141 |
| Document Number | 202300000471 |
|---|---|
| Date | Jan 25, 2023 |
| Instrument | 202300000471 |
| Name | FIRST PIEDMONT FSLA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
The 2025 property tax bill for 203 W Oneal St was $988.
Source: Cherokee County assessment roll, as of November 20, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Cherokee County |
| Municipality | Gaffney City |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $988.00 | $5,380 Land $1,000 Building $4,380 | $134,500 Land $25,000 Building $109,500 |
| 2023 | $764.00 (-70.44%) | $4,610 (-33.29%) Land $480 Building $4,130 | $121,500 (-) Land $12,000 Building $109,500 |
| 2022 | $2,585.00 | $6,910 Land $720 Building $6,190 | $121,500 Land $12,000 Building $109,500 |
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.
FEMA maps place 203 W Oneal St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 25, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 203 W Oneal St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 96% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.01% 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 | GAFFNEY BPW serves 24,290 people · EPA ID SC1110001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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