278 Ramey Rd, Westminster, SC 29693 Property Records

Oconee County property record for 278 Ramey Rd, Westminster, SC 29693

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,232 sqft · built 2019
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,177 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`305-03-01-022`

Property Details

APN / Parcel Number

Primary APN	`305-03-01-022`
Alternative APN	`41303`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,232 sqft Living Area
1st Floor Area	2,232 sqft
Basement Area	2,232 sqft
Unfinished Basement	2,232 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Traditional
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	31,363 sqft (0.72 acres)
Lot Dimensions	34.2 ft deep x 9.2 ft wide
Garage Type	Attached
Garage Area	762 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	41303
Street Address	278 RAMEY RD
City	WESTMINSTER
State	SC
Zip	29693-5118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 RAMEY FARMS (0.715 AC)
Legal Subdivision	RAMEY FARMS SUBDIVISON
Legal Block	1
Legal Lot Number	22
Jurisdiction	OCONEE SC
Township / Civil Division	WESTMINSTER
Census Block Group	1
Census Block	1015
Census Tract	31000

Owner

Source: Oconee County records, as of August 31, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	278 RAMEY RD, WESTMINSTER, SC 29693-5118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRAND MORTGAGE GROUP LLC
Sep 4, 2019	Deed of Trust, Mortgage · Line of Credit BRAND MTG
Mar 1, 2019	Loan Modification, Mortgage · Conventional Mortgage BRAND MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	278 RAMEY RD, WESTMINSTER, SC 29693-5118
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006392
Date	Nov 20, 2017
Instrument	06392

Lender

Name	BRAND MORTGAGE GROUP LLC
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	278 RAMEY RD, WESTMINSTER, SC 29693-5118
Document Number	0038710135
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	278 RAMEY RD WESTMINSTER SC 296935118, WESTMINSTER, SC 29693-5118

Mortgage

Document Number	0038710135
Date	Sep 13, 2019
Book Page	003871/000135

Lender

Name	BRAND MTG
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2049

Interest

Rate Type	Adjustable Rate

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OCONEE SC
Property Address	278 RAMEY RD, WESTMINSTER, SC 29693-5118
Document Number	0038290054
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 RAMEY RD WESTMINSTER SC 296935118, WESTMINSTER, SC 29693-5118

Mortgage

Document Number	0038290054
Date	May 13, 2019
Book Page	003829/000054

Lender

Name	BRAND MTG
Type	Mortgage Company
Address	KENNESAW, GA 30144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2049

Interest

Rate	4.75%

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,177.00	$22,763 (-) Land $6,072 Building $16,691	$569,073 (-) Land $151,800 Building $417,273
2023		$22,763 Land $6,072 Building $16,691	$569,073 Land $151,800 Building $417,273

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

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2019 · 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.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · lower than 93% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Carolina Rural Telephone Cooperative Fiber	8,000 / 8,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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