220 E Montgomery St, Gaffney, SC 29340 Property Records

Cherokee County property record for 220 E Montgomery St, Gaffney, SC 29340

Property Summary

Property Type	Single Family Home
Details	4,107 sqft · built 1910
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jun 2023)
Tax Bill	$1,830 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`015342-23-3`

Property Details

APN / Parcel Number

Primary APN	`015342-23-3`
Alternative APNs	`1000100036000 60913189` `100-01-00-036.000` `015345223`

Interior

Stories	2 Stories
Building Area	4,107 sqft Living Area
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Exterior Material	Fiber Cement Siding
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Porch	Porch

Location & Zoning

Old Parcel Number	1000100036000 60913189
Street Address	220 E MONTGOMERY ST
City	GAFFNEY
State	SC
Zip	29340-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GF
Legal Description	220 E MONTGOMERY ST .39AC JACK KIDD HIS 1/2 INT TO ALYCE FM VIRGINIA KIDD (ALYCE) PROB\\FM KIDD,SMITH $250,000
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	1
Census Block	1003
Census Tract	970601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Gaffney Residential Historic District listed 1986 · 111 contributing resources · NRIS 86000601

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cherokee County records, as of November 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	220 E MONTGOMERY ST, GAFFNEY, SC 29340-3020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Mar 27, 2023	Deed of Distribution, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	Mar 27, 2023
Deed Document Number	202300003136
Deed Book / Page	160 / 2645
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jun 5, 2023
Property Address	220 E MONTGOMERY ST, GAFFNEY, SC 29340-3020
Document Number	0001602645
Book / Page	160 / 2645
Map Reference	MB 76 PG 262
Instrument Date	Jun 1, 2023
Instrument	202300003136
Transaction Type	Transfer
Record Updated	Apr 8, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
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	220 E MONTGOMERY ST, GAFFNEY, SC 29340-3020

Mortgage

Document Number	202300003137
Date	Jun 5, 2023
Instrument	202300003137

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

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

March 2023: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	CHEROKEE SC
Recording Date	Mar 27, 2023
Property Address	220 E MONTGOMERY ST, GAFFNEY, SC 29340-3020
Document Number	0001581397
Book / Page	158 / 1397
Instrument Date	Mar 27, 2023
Instrument	202300001725
Transaction Type	Transfer
Record Updated	Apr 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 E MONTGOMERY ST, GAFFNEY, SC 29340-3020

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Cherokee County
Municipality	Gaffney City
Unified School District	Cherokee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,830.00 (-26.8%) Homeowner's exemption	$9,960 (+57.84%) Land $1,600 Building $8,360	$249,000 (+126.36%) Land $40,000 Building $209,000
2023	$2,500.00 (+620.46%)	$6,310 (+50.24%) Land $900 Building $5,410	$110,000 (-) Land $15,000 Building $95,000
2022	$347.00	$4,200 Land $600 Building $3,600	$110,000 Land $15,000 Building $95,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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