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232 Upper Saddle Cir, Conway, SC 29526 Property Records

Horry County property record for 232 Upper Saddle Cir, Conway, SC 29526 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,253 sqft · built 2015
Lot Size0.21 acres (9,148 sqft)
OwnerIndividual Name on File
Last Sale$149,900 (Nov 2015)
Tax Bill$756 (2025)
Deeds & MortgagesMar 2022 Mortgage
Oct 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN415-04-03-0041

Property Details

APN / Parcel Number

Primary APN415-04-03-0041
Alternative APN
  • 1612701008

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,253 sqft Living Area

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Architectural StyleRanch
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,148 sqft (0.21 acres)
Garage TypeAttached
Garage Area260 sqft
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Street Address232 UPPER SADDLE CIR
CityCONWAY
StateSC
Zip29526-7475
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCAROLINA COTTAGES; LT 8
Legal SubdivisionCAROLINA COTTAGES
Legal Lot Number8
JurisdictionHORRY SC
Township / Civil DivisionCONWAY EAST
Census Block Group1
Census Block1020
Census Tract60406

Owner

Source: Horry County records · APN 415-04-03-0041

Assessment roll updated February 6, 2026 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address232 UPPER SADDLE CIR, CONWAY, SC 29526-7475
OccupancyOwner Occupied
Owner TypeIndividual
VestingEt Al (and Others)

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2022Deed of Trust, Mortgage · Conventional Mortgage
CAROLINA TRUST FEDERAL CREDIT UNION
Oct 23, 2019Quit Claim Deed, Transfer
CAROLINA FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 25, 2015 · Amount on Record
Deed SaleNov 25, 2015 · Amount on Record
Deed Book / Page3874 / 1320
Last Transfer DateOct 18, 2019
Transfer Doc4254/0282
Record UpdatedJun 08, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHORRY SC
Property Address232 UPPER SADDLE CIR, CONWAY, SC 29526-7475
Transaction TypeMortgage
Record UpdatedJun 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 UPPER SADDLE CIR, CONWAY, SC 29526-7475

Mortgage

Document Number65370000003208
DateMar 25, 2022
Book Page0000006537/0000003208
Lender
NameCAROLINA TRUST FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded

October 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHORRY SC
Recording DateOct 23, 2019
Property Address232 UPPER SADDLE CIR, CONWAY, SC 29526-7475
Document Number4254/0282
Book / Page004254 / 000282
Instrument DateOct 18, 2019
Transaction TypeTransfer
Record UpdatedMar 03, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 UPPER SADDLE CIR CONWAY SC 295267475, CONWAY, SC 29526-7475

Mortgage

Document Number6142/2881
DateOct 23, 2019
Book Page006142/002881
Lender
NameCAROLINA FCU
TypeCredit Union
Agreement
AmountAmount Recorded
Term240 Months
DueOct 22, 2039

Tax Assessment & Valuation

Source: Horry County records · Assessment roll updated February 6, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyHorry County
Unified School DistrictHorry County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$756.00
2024$756.00 (+6.78%)$10,759 (+70.45%) Land $3,658 Building $7,101$268,980 (+70.47%) Land $91,450 Building $177,530
2023$708.00 (+3.21%)$6,312 (-) Land $1,264 Building $5,048$157,790 (-) Land $31,590 Building $126,200
2021$686.00$6,312 Land $1,264 Building $5,048$157,790 Land $31,590 Building $126,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Horry County (45051C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450510604061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 28 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies28 in force
Nearby Flood Claims4 (1987–2016)
Claims Outside the SFHA2 of 4
Most Recent ClaimOct 2016, rainfall accumulation, Hurricane Matthew
Claims By Storm
  • Hurricane Matthew, Oct 2016 · 2 claims

Wildfire

Wildfire RiskLow
above 34% of the US · above 7% of South Carolina
Wildfire LikelihoodAbout 1 in 2,564 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 155 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Horry Telephone CooperativeFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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