2103 Cypress Rd, Florence, SC 29505 Property Records

Florence County property record for 2103 Cypress Rd, Florence, SC 29505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,443 sqft · built 1963
Lot Size	0.528 acres (23,000 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Oct 2025)
Tax Bill	$337 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`90146-04-007`

Property Details

APN / Parcel Number

Primary APN	`90146-04-007`
Alternative APN	`15047803`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,443 sqft Living Area
1st Floor Area	1,202 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	23,000 sqft (0.528 acres)
Lot Dimensions	230 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2103 CYPRESS RD
City	FLORENCE
State	SC
Zip	29505-6817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENWOOD EST LOT 142
Legal Lot Number	142
Jurisdiction	FLORENCE SC
Township / Civil Division	PAMPLICO
Census Block Group	2
Census Block	2014
Census Tract	1601

Owner

2103 Cypress Rd is owned and occupied by two individuals who bought it in October 2025.

Source: Florence County records, as of June 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2103 CYPRESS RD, FLORENCE, SC 29505-6817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Deed Document Number	202514462
Deed Book / Page	1184 / 684
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Oct 31, 2025
Property Address	2103 CYPRESS RD, FLORENCE, SC 29505-6817
Document Number	DMA11840684
Book / Page	DMA1184 / 684
Map Reference	MB L PG 77
Instrument Date	Oct 30, 2025
Instrument	2025014462
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
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	2103 CYPRESS RD, FLORENCE, SC 29505-6817

Mortgage

Document Number	DMA1184689
Date	Oct 31, 2025
Instrument	DMA1184/689

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

Tax Assessment & Valuation

The 2025 property tax bill for 2103 Cypress Rd was $337, up 10.1% from the year before.

Source: Florence County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Florence County
Unified School District	Florence School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$337.00 (+10.13%)	$5,636 (-) Land $662 Building $4,974	$140,915 (-) Land $16,550 Building $124,365
2024	$306.00 (-21.34%)	$5,636 (-99.87%) Land $662 Building $4,974	$140,915 (-98.68%) Land $16,550 Building $124,365
2023	$389.00 (+50.78%) Homeowner's exemption	$4,285,593 (+99,890.5%) Land $662,000 Building $3,623,593	$10,713,984 (+9,899.99%) Land $1,655,000 Building $9,058,984
2022	$258.00 Homeowner's exemption	$4,286 Land $662 Building $3,624	$107,140 Land $16,550 Building $90,590

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

FEMA maps place 2103 Cypress Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (2013–2024)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Matthew, Oct 2016 · 4 claims Severe Storms And Flooding, Oct 2015 · 2 claims

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

Wildfire risk around 2103 Cypress Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 54% of South Carolina
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20