285 Oakbourne Ln, Rock Hill, SC 29732 Property Records

York County property record for 285 Oakbourne Ln, Rock Hill, SC 29732

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,355 sqft · built 2012
Lot Size	0.256 acres (11,136 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Sep 2022)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`586-04-01-042`

Property Details

APN / Parcel Number

Primary APN	`586-04-01-042`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,355 sqft Living Area
Gross Area	3,314 sqft
1st Floor Area	2,108 sqft
2nd Floor Area	247 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick
Construction Type	Brick
Lot Area	11,136 sqft (0.256 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	360 sqft

Location & Zoning

Street Address	285 OAKBOURNE LN
City	ROCK HILL
State	SC
Zip	29732-9805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 42 / RIVERWOOD
Legal Subdivision	RIVERWOOD SUBDIVISION
Legal Lot Number	42
Jurisdiction	YORK SC
Township / Civil Division	ROCK HILL
Census Block Group	2
Census Block	2028
Census Tract	60910

Owner

285 Oakbourne Ln is owned and occupied by an individual who bought it in September 2022.

Source: York County records, as of May 5, 2026

Owner of Record	Individual Name on File
Mailing Address	285 OAKBOURNE LN, ROCK HILL, SC 29732-9805
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Sep 12, 2022	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 22, 2017	Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU
Apr 23, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Apr 23, 2020 · Amount on File
Deed Document Number	202239847
Deed Book / Page	20397 / 159
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Recording Date	Aug 11, 2026
Property Address	285 OAKBOURNE LN, ROCK HILL, SC 29732-9805
Document Number	0000028600
Book / Page	22751 / 375
Instrument Date	Aug 4, 2026
Instrument	202628600
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 OAKBOURNE LN, ROCK HILL, SC 29732-9805

Mortgage

Document Number	0000028600,
Date	Aug 11, 2026
Book Page	22751/375
Instrument	202628600

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	YORK SC
Recording Date	Sep 12, 2022
Property Address	285 OAKBOURNE LN, ROCK HILL, SC 29732-9805
Document Number	2039700159
Book / Page	20397 / 159
Map Reference	MB D-365 PG 10
Instrument Date	Sep 12, 2022
Instrument	2022039847
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,105.00
Amount Accuracy	Full Amount Stated
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	2S5 OAKBOURNE LANE, ROCK HILL, SC 29732

Mortgage

Document Number	2022039848
Date	Sep 12, 2022
Instrument	2022039848

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	285 OAKBOURNE LN, ROCK HILL, SC 29732-9805
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1654700456
Date	Aug 22, 2017
Book Page	16547/456
Instrument	201700035670

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 5, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YORK SC
Recording Date	Apr 23, 2020
Property Address	285 OAKBOURNE LN, ROCK HILL, SC 29732-9805
Document Number	1821800157
Book / Page	018218 / 000157
Instrument Date	Apr 15, 2020
Instrument	17010
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 OAKBOURNE LN ROCK HILL SC 297329805, ROCK HILL, SC 29732-9805

Mortgage

Document Number	1821800160
Date	Apr 23, 2020
Book Page	018218/000160
Instrument	17011

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 285 Oakbourne Ln was $2,301.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Unified School District	York School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,301.00	$16,848 Land $1,800 Building $15,048	$421,200 Land $45,000 Building $376,200
2023	$2,373.00	$16,518 Land $1,200 Building $15,318	$412,950 Land $30,000 Building $382,950

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

FEMA maps place 285 Oakbourne Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2008 · other causes

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

Wildfire risk around 285 Oakbourne Ln is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF ROCK HILL serves 89,850 people · EPA ID SC4610002
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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