314 Mt Bay Dr, Westminster, SC 29693 Property Records

Oconee County property record for 314 Mt Bay Dr, Westminster, SC 29693

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,362 sqft · built 2017
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,105 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`315-03-08-017`

Property Details

APN / Parcel Number

Primary APN	`315-03-08-017`
Alternative APN	`44881`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,362 sqft Living Area
1st Floor Area	1,575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Contemporary
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	682 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	44881
Street Address	314 MOUNT BAY DR
City	WESTMINSTER
State	SC
Zip	29693-6237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 97 SEC A MT BAY
Legal Subdivision	MT BAY ESTATES
Legal Block	8
Legal Lot Number	97
Jurisdiction	OCONEE SC
Township / Civil Division	OAKWAY
Census Block Group	1
Census Block	1102
Census Tract	30901

Owner

314 Mt Bay Dr is owned and occupied by two individuals.

Source: Oconee County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	314 MOUNT BAY DR, WESTMINSTER, SC 29693-6237
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
Sep 1, 2020	Deed of Trust, Mortgage · Line of Credit SOUTH ST BK
Aug 7, 2020	Deed of Trust, Mortgage · Conventional with PMI SOUTH ST BK
Dec 11, 2017	Loan Modification, Mortgage SOUTH ST BK
May 1, 2017	Trustee's Deed, Construction Loan · Construction Mortgage SOUTH ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	314 MOUNT BAY DR, WESTMINSTER, SC 29693-6237
Document Number	0040200011
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOUNT BAY DR WESTMINSTER SC 296936237, WESTMINSTER, SC 29693-6237

Mortgage

Document Number	0040200011
Date	Sep 11, 2020
Book Page	004020/000011

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29423

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 10, 2030

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	314 MOUNT BAY DR, WESTMINSTER, SC 29693-6237
Document Number	0040040258
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOUNT BAY DR WESTMINSTER SC 296936237, WESTMINSTER, SC 29693-6237

Mortgage

Document Number	0040040258
Date	Aug 12, 2020
Book Page	004004/000258

Lender

Name	SOUTH ST BK
Type	Bank
Address	NORTH CHARLESTON, SC 29406

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2050

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OCONEE SC
Property Address	314 MOUNT BAY DR, WESTMINSTER, SC 29693-6237
Document Number	0000007985
Book / Page	003681 / 000088
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOUNT BAY DR WESTMINSTER SC 296936237, WESTMINSTER, SC 29693-6237

Mortgage

Document Number	0000007985
Date	Dec 27, 2017
Book Page	003681/000088
Instrument	7985

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29423

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2047

Interest

Rate Type	Fixed Rate

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OCONEE SC
Recording Date	May 1, 2017
Property Address	314 MOUNT BAY DR, WESTMINSTER, SC 29693-6237
Book / Page	003603 / 000227
Instrument Date	Apr 25, 2017
Instrument	13374
Transaction Type	Construction Loan
Record Updated	Jun 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOUNT BAY DR WESTMINSTER SC 29693, WESTMINSTER, SC 29693

Mortgage

Document Number	0000013374
Date	May 1, 2017
Book Page	003603/000227
Instrument	13374

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 314 Mt Bay Dr was $1,105.

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	$1,105.00	$10,543 Land $779 Building $9,764	$263,572 Land $19,470 Building $244,102
2023		$10,543 Land $779 Building $9,764	$263,572 Land $19,470 Building $244,102

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 314 Mt Bay Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1995)
Most Recent Claim	Oct 1995 · river or lake flooding

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 314 Mt Bay Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.06% 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	PIONEER RURAL WATER DIST serves 16,929 people · EPA ID SC3720001
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 72 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mt Bay Dr

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