314 S Cherry St, Seneca, SC 29678 Property Records

Oconee County property record for 314 S Cherry St, Seneca, SC 29678

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,286 sqft · built 1936
Lot Size	0.55 acres (23,958 sqft)
Owner	Company Name on Record
Last Sale	$35,000 (Oct 2013)
Tax Bill	$686 (2025)
Deeds & Mortgages	Jan 2026 Transfer Dec 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-34-13-006`

Property Details

APN / Parcel Number

Primary APN	`520-34-13-006`
Alternative APN	`57400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,286 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Shingle
Lot Area	23,958 sqft (0.55 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	57400
Old Parcel Number	520 34 13 006
Street Address	314 S CHERRY ST
City	SENECA
State	SC
Zip	29678-3541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 300 & P/O 299 (.548 AC)
Legal Subdivision	GARY L EADES
Legal Block	13
Legal Lot Number	300
Jurisdiction	OCONEE SC
Township / Civil Division	SENECA
Census Block Group	1
Census Block	1047
Census Tract	30701

Owner

Source: Oconee County records, as of February 17, 2026

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

Owner of Record	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	314 S CHERRY ST, SENECA, SC 29678-3541
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Intrafamily Transfer, Transfer
Dec 31, 2025	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 14, 2013 · Amount on Record
Deed Sale	Oct 14, 2013 · Amount on Record
Prior Sale	Oct 14, 2013 · Amount on Record
Deed Document Number	0000004469
Deed Book / Page	1991 / 198
Last Transfer Date	Jan 30, 2026
Transfer Doc	0000009509
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCONEE SC
Recording Date	Jan 30, 2026
Property Address	314 S CHERRY ST, SENECA, SC 29678-3541
Document Number	0000009509
Book / Page	3333 / 220
Map Reference	MB P-63 PG 448
Instrument Date	Jan 27, 2026
Instrument	9509
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	314 S CHERRY ST, SENECA, SC 29678-3541

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	314 S CHERRY ST, SENECA, SC 29678-3541
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008303
Date	Dec 31, 2025
Book Page	4767/244
Instrument	8303

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	314 S CHERRY ST, SENECA, SC 29678-3541
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	EQUITY NATIONAL TITLE AND CLOSING, EQUITY NATL TTL & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011958
Date	Jan 27, 2021
Book Page	4090/1
Instrument	11958

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of September 13, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$686.00	$6,002 (-) Land $580 Building $5,422	$150,041 (-) Land $14,490 Building $135,551
2023		$6,002 Land $580 Building $5,422	$150,041 Land $14,490 Building $135,551

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 98.6% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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 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

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. 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Vyve Broadband Cable	1,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, West Carolina Rural Telephone Cooperative.

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