327 S Cove Rd, Sunset, SC 29685 Property Records

Pickens County property record for 327 S Cove Rd, Sunset, SC 29685

Property Summary

Property Type	Vacant Land
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (May 2020)
Tax Bill	$8,211 (2025)
Deeds & Mortgages	Nov 2025 Construction Loan Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4131-00-23-0028`

Property Details

APN / Parcel Number

Primary APN	`4131-00-23-0028`
Alternative APN	`R0066913`

Exterior

Lot Area	49,658 sqft (1.14 acres)

Location & Zoning

Account Number	R0066913
Street Address	327 S COVE RD
City	SUNSET
State	SC
Zip	29685-1713
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	RESERVE AT LAKE KEOWEE SEC B LOT 013 PLAT 432/11
Legal Subdivision	RESERVE AT LAKE KEOWEE
Legal Block	23
Legal Lot Number	13
Jurisdiction	PICKENS SC
Township / Civil Division	SIX MILE
Census Block Group	2
Census Block	2013
Census Tract	10201

Owner

327 S Cove Rd, vacant land, is owned by an individual who acquired it in September 2023.

Source: Pickens County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1157, ARDEN, NC 28704-1157
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
Nov 10, 2025	Deed of Trust, Mortgage · Construction Mortgage THE PEOPLES BANK
Oct 16, 2023	Intrafamily Transfer, Transfer DONNA JACKSON
Sep 5, 2018	Deed of Trust, Mortgage INDEPENDENCE NATIONAL BANK
May 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 21, 2020	Deed with Mortgage, Transfer · Conventional Mortgage BANK SOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on File
Deed Sale	May 21, 2020 · Amount on File
Prior Sale	Sep 4, 2012 · Amount on File
Deed Document Number	20206965
Deed Book / Page	2160 / 81
Last Transfer Date	Sep 18, 2023
Transfer Doc	0000014590
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS SC
Property Address	327 S COVE RD, SUNSET, SC 29685-1713
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1157, ARDEN, NC 28704-1157

Mortgage

Document Number	0000016862
Date	Nov 10, 2025
Book Page	6754/254
Instrument	202516862

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	ANDERSON, SC 29621

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	385 Months
Due	Dec 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2034
Change Frequency	Annually
Min Rate At Change	6.75%
Max Rate At Change	8.75%
Index	12-Month MTA
Max Rate	11.7%

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PICKENS SC
Recording Date	Oct 16, 2023
Property Address	327 S COVE RD, SUNSET, SC 29685-1713
Document Number	0000014590
Book / Page	2593 / 329
Instrument Date	Sep 18, 2023
Instrument	202314590
Transaction Type	Transfer
Record Updated	Oct 27, 2023

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
Address	PO BOX 1157, ARDEN, NC 28704-1157

Mortgage

Document Number	0000014591
Date	Oct 16, 2023
Book Page	6390/8
Instrument	202314591

Lender

Name	DONNA JACKSON
Type	Private Party
Address	114 DOGWOOD TERRACE LN, CLEMSON, SC 29631

Agreement

Amount	Amount on Record

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS SC
Property Address	327 S COVE RD, SUNSET, SC 29685-1713
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012962
Date	Sep 5, 2018
Book Page	5391/343
Instrument	201812962

Lender

Name	INDEPENDENCE NATIONAL BANK
Type	Bank
Address	SIMPSONVILLE, SC 29681

Agreement

Amount	Amount on Record

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PICKENS SC
Recording Date	May 21, 2020
Property Address	327 S COVE RD, SUNSET, SC 29685-1713
Document Number	0000006967
Book / Page	002160 / 000084
Instrument Date	May 19, 2020
Instrument	6967
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 FALL MOUNTAIN RD ASHEVILLE NC 288039508, ASHEVILLE, NC 28803-9508

May 2020: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	PICKENS SC
Recording Date	May 21, 2020
Property Address	327 S COVE RD, SUNSET, SC 29685-1713
Document Number	0000006965
Book / Page	002160 / 000081
Instrument Date	May 19, 2020
Instrument	6965
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,961.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 FALL MOUNTAIN RD ASHEVILLE NC 288039508, ASHEVILLE, NC 28803-9508

Mortgage

Document Number	0000006965
Date	May 21, 2020
Book Page	005656/000323
Instrument	6965

Lender

Name	BANK SOUTH
Type	Bank
Address	7911 MACON HWY, WATKINSVILLE, GA 30677-6050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	May 20, 2023

Mortgage

Document Number	6966,
Date	May 21, 2020
Book Page	005656/000323
Instrument	6966

Lender

Name	BANK SOUTH
Type	Bank
Address	WATKINSVILLE, GA 30677

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	May 20, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 327 S Cove Rd was $8,211, down 34% from the year before.

Source: Pickens County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Pickens County
Unified School District	Pickens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,211.00 (-34.03%)	$36,570 (+15%) Land $36,570	$1,091,800 (+106%) Land $1,091,800
2024	$12,446.00 (+63.35%)	$31,800 (-) Land $31,800	$530,000 (-) Land $530,000
2023	$7,619.00 (-0.64%)	$31,800 (-) Land $31,800	$530,000 (-) Land $530,000
2022	$7,668.00	$31,800 Land $31,800	$530,000 Land $530,000

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

FEMA maps place 327 S Cove Rd 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 327 S Cove Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 48% of South Carolina
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	1,000 / 350
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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