Cherokee County property record for 231 E Montgomery St, Gaffney, SC 29340
| Property Type | Single Family Home |
|---|---|
| Details | 3,567 sqft · built 1915 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $280,000 (Mar 2011) |
| Tax Bill | $2,397 (2025) |
| Deeds & Mortgages | Jul 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 015145-23-3 |
| Primary APN | 015145-23-3 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,567 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Exterior Material | Siding |
| Lot Area | 13,068 sqft (0.3 acres) |
| Porch | Porch |
| Old Parcel Number | 0990400005001 60530889 |
|---|---|
| Street Address | 231 E MONTGOMERY ST |
| City | GAFFNEY |
| State | SC |
| Zip | 29340-3019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GF |
| Legal Description | 231 E MONTGOMERY ST FM JL DESIGN $280,000 FM DEUTSCHE $68000 |
| Legal Tract | CD |
| Jurisdiction | CHEROKEE SC |
| Township / Civil Division | GAFFNEY |
| Census Block Group | 1 |
| Census Block | 1087 |
| Census Tract | 970201 |
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.
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 | Owner Name on Record |
|---|---|
| Mailing Address | 231 E MONTGOMERY ST, GAFFNEY, SC 29340-3019 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2011 · Amount on Record |
| Deed Sale | Mar 3, 2011 · Amount on Record |
| Deed Document Number | 00916 |
| Deed Book / Page | 42 / 561 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Property Address | 231 E MONTGOMERY ST, GAFFNEY, SC 29340-3019 |
| Document Number | 0000962503 |
| Instrument Date | Jul 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Name | Verified Name |
|---|---|
| Address | 231 E MONTGOMERY ST GAFFNEY SC 293403019, GAFFNEY, SC 29340-3019 |
| Document Number | 0000962503 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 000096/002503 |
| Instrument | 4131 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203-4774 |
| Type | FHA Mortgage |
|---|
Source: Cherokee County assessment roll, as of September 13, 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 | $2,397.00 (+10.92%) Homeowner's exemption | $13,040 (-) Land $520 Building $12,520 | $341,700 (-) Land $13,000 Building $328,700 |
| 2023 | $2,161.00 | $13,040 Land $520 Building $12,520 | $341,700 Land $13,000 Building $328,700 |
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.
Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Most Recent Claim | Dec 2015 · rainfall accumulation |
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.
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.
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 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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