Oconee County property record for 305 Harbor Dr, Seneca, SC 29672
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 5,349 sqft |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Oct 2021) |
| Tax Bill | $6,491 (2025) |
| Deeds & Mortgages | Jan 2023 Construction Loan Feb 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-10-04-011 |
| Primary APN | 520-10-04-011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 3 Stories |
| Building Area | 5,349 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Fiber Cement Siding |
|---|---|
| Roof Material | Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 18.4 ft deep x 11.9 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 55558 |
|---|---|
| Street Address | 305 HARBOR DR |
| City | SENECA |
| State | SC |
| Zip | 29672-2266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 NORTHLAKE ESTATES (.50 AC) |
| Legal Subdivision | NORTHLAKE ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | OCONEE SC |
| Township / Civil Division | SENECA |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 30601 |
Source: Oconee County records, as of June 18, 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 | 205 RAGSDALE RD, GREENVILLE, SC 29611-7539 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 25, 2023 | Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO |
| Feb 3, 2025 | Intrafamily Transfer, Transfer |
| Oct 19, 2021 | Deed, Transfer |
| Jan 19, 2021 | Deed, Transfer BANK OF TRAVELERS REST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on Record |
| Deed Sale | Oct 19, 2021 · Amount on Record |
| Prior Sale | Jan 19, 2021 · Amount on Record |
| Deed Document Number | 20216370 |
| Deed Book / Page | 2741 / 176 |
| Last Transfer Date | Jan 27, 2025 |
| Transfer Doc | 0000009088 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCONEE SC |
| Property Address | 305 HARBOR DR, SENECA, SC 29672-2266 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000009598 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 4418/103 |
| Instrument | 9598 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Max Rate | 11.5% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OCONEE SC |
| Recording Date | Feb 3, 2025 |
| Property Address | 305 HARBOR DR, SENECA, SC 29672-2266 |
| Document Number | 0000009088 |
| Book / Page | 3176 / 145 |
| Map Reference | MB P-29 PG 169 |
| Instrument Date | Jan 27, 2025 |
| Instrument | 9088 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 205 RAGSDALE RD, GREENVILLE, SC 29611-7539 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OCONEE SC |
| Recording Date | Oct 19, 2021 |
| Property Address | 305 HARBOR DR, SENECA, SC 29672-2266 |
| Document Number | 0000006370 |
| Book / Page | 2741 / 176 |
| Map Reference | MB P-29 PG 169 |
| Instrument Date | Oct 18, 2021 |
| Instrument | 6370 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $758.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 WALNUT CREEK WAY, GREENVILLE, SC 29611-7472 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OCONEE SC |
| Recording Date | Jan 19, 2021 |
| Property Address | 305 HARBOR DR, SENECA, SC 29672-2266 |
| Document Number | 0000011398 |
| Book / Page | 2646 / 224 |
| Map Reference | MB P-29 PG 169 |
| Instrument Date | Jan 4, 2021 |
| Instrument | 11398 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $364.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3370 N HIGHWAY 101, GREER, SC 29651-5019 |
| Document Number | 0004084130 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 4084/130 |
| Name | BANK OF TRAVELERS REST |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 15, 2031 |
Source: Oconee County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Oconee County |
| Municipality | Seneca City |
| Unified School District | Oconee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,491.00 | $37,812 (+371.24%) Land $8,024 Building $29,788 | $945,300 (+371.24%) Land $200,600 Building $744,700 |
| 2023 | $8,024 Land $8,024 | $200,600 Land $200,600 |
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 December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 92% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | CITY OF SENECA serves 39,772 people · EPA ID SC3710002 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 3 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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