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228 E Montgomery St, Gaffney, SC 29340 Property Records

Cherokee County property record for 228 E Montgomery St, Gaffney, SC 29340

Property Summary

Property TypeSingle Family Home
Details1,908 sqft · built 2005
Lot Size0.39 acres (16,988 sqft)
Owner2 Individual Names on Record
Last Sale$5,769 (Aug 2020)
Tax Bill$670 (2025)
Deeds & MortgagesAug 2020 Transfer
May 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN024896-23-3

Property Details

APN / Parcel Number

Primary APN024896-23-3
Alternative APNs
  • 1000100037000 60867889
  • 100-01-00-037.000
  • 024765223

Interior

Stories1 Story
Building Area1,908 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialSiding
Lot Area16,988 sqft (0.39 acres)
Garage Area529 sqft
Parking Spaces2 Parking Spaces
PorchSlab

Location & Zoning

Street Address228 E MONTGOMERY ST
CityGAFFNEY
StateSC
Zip29340-3020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGF
Legal Description228 E MONTGOMERY ST 2 A 145 ADDED SURVIVORSHIP
JurisdictionCHEROKEE SC
Township / Civil DivisionGAFFNEY
Census Block Group1
Census Block1003
Census Tract970601

Historic Designation

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

Historic DistrictWithin 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 20, 2025

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

Owner of Record2 Individual Names on Record
Mailing Address228 E MONTGOMERY ST, GAFFNEY, SC 29340-3020
OccupancyOwner Occupied
Owner TypeIndividual
VestingSurvivor

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
May 7, 2019Deed of Trust, Mortgage
SHARONVIEW FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 28, 2020 · Amount on Record
Deed SaleAug 28, 2020 · Amount on Record
Prior SaleJun 30, 2004 · Amount on Record
Deed Document Number20204563
Deed Book / Page126 / 22
Prior Transfer DateAug 27, 2020
Prior Transfer Doc0001260022
Record UpdatedJun 8, 2026

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCHEROKEE SC
Recording DateAug 28, 2020
Property Address228 E MONTGOMERY ST, GAFFNEY, SC 29340-3020
Document Number0001260022
Book / Page000126 / 000022
Instrument DateAug 27, 2020
Instrument4563
Transaction TypeTransfer
Record UpdatedSep 21, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address228 E MONTGOMERY ST GAFFNEY SC 293403020, GAFFNEY, SC 29340-3020

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE SC
Property Address228 E MONTGOMERY ST, GAFFNEY, SC 29340-3020
Document Number0001121997
Instrument DateMay 7, 2019
Transaction TypeMortgage
Record UpdatedJul 3, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address228 E MONTGOMERY ST GAFFNEY SC 293403020, GAFFNEY, SC 29340-3020

Mortgage

Document Number0001121997
DateMay 23, 2019
Book Page000112/001997
Instrument2471
Lender
NameSHARONVIEW FCU
TypeCredit Union
AddressFORT MILL, SC 29716
Agreement
AmountAmount Recorded
Term180 Months
DueMay 22, 2034

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of November 20, 2025

Property Jurisdictions

TypeName
StateSouth Carolina
CountyCherokee County
MunicipalityGaffney City
Unified School DistrictCherokee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$670.00 (+10.93%) Homeowner's exemption$5,650 (-) Land $600 Building $5,050$149,400 (-) Land $15,000 Building $134,400
2023$604.00 Homeowner's exemption$5,650 Land $600 Building $5,050$149,400 Land $15,000 Building $134,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2016

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemGAFFNEY BPW
serves 24,290 people · EPA ID SC1110001
Water SourceSurface water
Last State InspectionSep 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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