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305 Debra Dr, Gaffney, SC 29340 Property Records

Cherokee County property record for 305 Debra Dr, Gaffney, SC 29340

Property Summary

Property TypeSingle Family Home
Details1,170 sqft · built 1970
Lot Size0.419 acres (18,295 sqft)
OwnerIndividual Name on Record
Last Sale$165,000 (Aug 2022)
Tax Bill$1,143 (2025)
Deeds & MortgagesOct 2026 Mortgage
Jan 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN030721-23-3

Property Details

APN / Parcel Number

Primary APN030721-23-3
Alternative APNs
  • 1001100026000 00215689
  • 100-11-00-026.000
  • 031208223

Interior

Stories1 Story
Building Area1,170 sqft Living Area

Exterior

Year BuiltBuilt 1970
Exterior MaterialBrick Veneer
Lot Area18,295 sqft (0.419 acres)
PorchPorch

Location & Zoning

Old Parcel Number1001100026000 00215689
Street Address305 DEBRA DR
CityGAFFNEY
StateSC
Zip29340-4407
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGF
Legal Description305 DEBRA DR LT#23 FROM WICKS $85000 FM SFR3-050 $165000
Legal Lot Number23
JurisdictionCHEROKEE SC
Township / Civil DivisionGAFFNEY
Census Block Group5
Census Block5011
Census Tract970502

Owner

Source: Cherokee County records, as of November 19, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address305 DEBRA DR, GAFFNEY, SC 29340-4407
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2026Deed of Trust, Mortgage · FHA Mortgage
SERVICELINK
Jan 24, 2024Deed of Trust, Mortgage · FHA Mortgage
GUILD MORTGAGE CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 15, 2022 · Amount on Record
Deed SaleAug 15, 2022 · Amount on Record
Deed Document Number0001511421
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE SC
Recording DateOct 15, 2026
Property Address305 DEBRA DR, GAFFNEY, SC 29340-4407
Document Number0000005922
Book / Page204 / 2793
Instrument DateJul 31, 2026
Instrument20265922
Transaction TypeMortgage
Record UpdatedOct 23, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 DEBRA DR, GAFFNEY, SC 29340-4407

Mortgage

Document Number0000005922,
DateOct 15, 2026
Book Page204/2793
Instrument20265922
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term311 Months
DueSep 1, 2052
Interest
Max Rate-1%

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE SC
Property Address305 DEBRA DR # 23, 23, GAFFNEY, SC 29340-4407
Transaction TypeMortgage
Record UpdatedFeb 14, 2024
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 DEBRA DR, GAFFNEY, SC 29340-4407

Mortgage

Document Number0001682004
DateJan 24, 2024
Book Page168/2004
Instrument2024-371
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92186
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term344 Months
DueSep 1, 2052

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of September 13, 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$1,143.00 (+10.86%) Homeowner's exemption$6,220 (-) Land $400 Building $5,820$155,400 (-) Land $10,000 Building $145,400
2023$1,031.00$6,220 Land $400 Building $5,820$155,400 Land $10,000 Building $145,400

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 March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

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 RiskLow
lower than 64% of the US · lower than 91% of South Carolina
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 239 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T.

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