320 Providence Rd, Gaffney, SC 29341 Property Records

Cherokee County property record for 320 Providence Rd, Gaffney, SC 29341

Property Summary

Property Type	Single Family Home
Details	1,088 sqft · built 2025
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$199,900 (Mar 2026)
Tax Bill	$311 (2025)
Deeds & Mortgages	May 2025 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027658-23-3`

Property Details

APN / Parcel Number

Primary APN	`027658-23-3`
Alternative APNs	`0990100007000 60837189` `099-01-00-007.000` `027475223`

Interior

Stories	1 Story
Building Area	1,088 sqft Living Area

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Siding
Lot Area	6,534 sqft (0.15 acres)
Porch	Slab

Location & Zoning

Street Address	320 PROVIDENCE RD
City	GAFFNEY
State	SC
Zip	29341-2076
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GF
Legal Description	320 PROVIDENCE RD LOT 7A 0.15 AC PROVIDENCE ROAD LOT 7A
Legal Lot Number	7A
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	1
Census Block	1039
Census Tract	970302

Owner

Source: Cherokee County records, as of April 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	320 PROVIDENCE RD, GAFFNEY, SC 29341-2076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2025	Deed of Trust, Mortgage · Line of Credit FIRST PIEDMONT FSLA
Mar 27, 2026	Deed, Subdivision Related Transfer · FHA Mortgage PRESIDENTIAL BANK FSB
Apr 5, 2024	Deed, Transfer · Line of Credit FIRST PIEDMONT FSLA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on Record
Deed Sale	Mar 27, 2026 · Amount on Record
Prior Sale	Apr 5, 2024 · Amount on Record
Deed Document Number	20261640
Deed Book / Page	196 / 839
Record Updated	Jun 8, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	320 PROVIDENCE RD, GAFFNEY, SC 29341-2076
Transaction Type	Mortgage
Record Updated	Apr 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 OLD PROS DR, GAFFNEY, SC 29341-3523
Investor	Possibly a Property Investor

Mortgage

Document Number	0001840949
Date	May 5, 2025
Book Page	184/949
Instrument	2025-2380

Lender

Name	FIRST PIEDMONT FSLA
Type	Bank
Address	GAFFNEY, SC 29340

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CHEROKEE SC
Recording Date	Mar 27, 2026
Property Address	320 PROVIDENCE RD, GAFFNEY, SC 29341-2076
Document Number	0001960839
Book / Page	196 / 839
Map Reference	VOL 176 PG 655
Instrument Date	Mar 24, 2026
Instrument	2026-1640
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 6, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 PROVIDENCE RD, GAFFNEY, SC 29341-2076

Mortgage

Document Number	0020261641
Date	Mar 27, 2026
Instrument	2026-1641

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	0001960856
Date	Mar 27, 2026
Book Page	196/856
Instrument	2026-1642

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	ATLANTA, GA 30309

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEROKEE SC
Recording Date	Apr 5, 2024
Property Address	320 PROVIDENCE RD, GAFFNEY, SC 29341-2076
Document Number	0001702838
Book / Page	170 / 2838
Map Reference	VOL 170 PG 2837
Instrument Date	Apr 1, 2024
Instrument	2024-1688
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 OLD PROS DR, GAFFNEY, SC 29341-3523
Investor	Possibly a Property Investor

Mortgage

Document Number	0020241689
Date	Apr 5, 2024
Instrument	2024-1689

Lender

Name	FIRST PIEDMONT FSLA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$311.00 (+31.22%)	$750 (+25%) Land $750	$12,500 (+25%) Land $12,500
2023	$237.00	$600 Land $600	$10,000 Land $10,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	GAFFNEY BPW serves 24,290 people · EPA ID SC1110001
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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