Horry County property record for 3865 Spruce Dr, Myrtle Beach, SC 29577
| Details | 3 bd · 1.5 ba · 832 sqft · built 1958 |
|---|---|
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Aug 2019) |
| Tax Bill | $698 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 446-09-01-0002 |
| Primary APN | 446-09-01-0002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 832 sqft Living Area |
| Utility Room | Utility Room |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Carport |
| Garage Area | 228 sqft |
| Carport | Carport |
| Carport Area | 228 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 3865 SPRUCE DR |
|---|---|
| City | MYRTLE BEACH |
| State | SC |
| Zip | 29577-5104 |
| Property Category | Other |
| Property Type | Unknown |
| Legal Description | SEAGATE VILLAGE PH VII; UN 3865 SPRUCE HPR |
| Legal Subdivision | SEAGATE VILLAGE PH VII |
| Legal Unit | 3865 |
| Jurisdiction | HORRY SC |
| Township / Civil Division | MYRTLE BEACH |
| Census Block Group | 2 |
| Census Block | 2093 |
| Census Tract | 51000 |
3865 Spruce Dr is owned and occupied by an individual who bought it in August 2019.
Source: Horry County records, as of August 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3865 SPRUCE DR, MYRTLE BEACH, SC 29577-5104 |
| 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.
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT |
| Aug 8, 2019 | Warranty Deed, Transfer · Conventional with PMI GUILD MTG |
| Feb 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2019 · Amount on File |
| Deed Sale | Aug 8, 2019 · Amount on File |
| Prior Sale | Feb 21, 2018 · Amount on File |
| Deed Book / Page | 4231 / 2723 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HORRY SC |
| Property Address | 3865 SPRUCE DR, MYRTLE BEACH, SC 29577-5104 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3865 SPRUCE DR, MYRTLE BEACH, SC 29577-5104 |
| Document Number | 64330000003145 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 0000006433/0000003145 |
| Name | LOAN DEPOT |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HORRY SC |
| Recording Date | Aug 8, 2019 |
| Property Address | 3865 SPRUCE DR, MYRTLE BEACH, SC 29577-5104 |
| Document Number | 4231/2723 |
| Book / Page | 004231 / 002723 |
| Instrument Date | Aug 7, 2019 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $607.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3504 EVERGREEN WAY MYRTLE BEACH SC 295775152, MYRTLE BEACH, SC 29577-5152 |
| Document Number | 6117/1735 |
|---|---|
| Date | Aug 8, 2019 |
| Book Page | 006117/001735 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 7, 2049 |
| Document Number | 6117/1755, |
|---|---|
| Date | Aug 8, 2019 |
| Book Page | 006117/001755 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Aug 7, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HORRY SC |
| Recording Date | Feb 21, 2018 |
| Property Address | 3865 SPRUCE DR, MYRTLE BEACH, SC 29577-5104 |
| Document Number | 4084/0639 |
| Book / Page | 004084 / 000639 |
| Instrument Date | Feb 20, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $537.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1232 PETERSON ST MYRTLE BEACH SC 295771407, MYRTLE BEACH, SC 29577-1407 |
| Document Number | 5964/1472 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 005964/001472 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 20, 2038 |
The 2025 property tax bill for 3865 Spruce Dr was $698.
Source: Horry County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Horry County |
| Municipality | Myrtle Beach City |
| Unified School District | Horry County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $698.00 | ||
| 2024 | $698.00 (+8.05%) | $9,000 (-49.61%) Building $9,000 | $225,000 (+32.28%) Building $225,000 |
| 2023 | $646.00 | $17,861 Building $17,861 | $170,100 Building $170,100 |
| 2021 | $2,656.00 | $17,861 Building $17,861 | $170,100 Building $170,100 |
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.
FEMA maps place 3865 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1987.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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 |
| Flood Insurance Cost | Premium on File median of 602 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 602 in force |
| Nearby Flood Claims | 18 (1987–2019) |
| Claims Outside the SFHA | 15 of 18 |
| Most Recent Claim | Sep 2019 · Hurricane Dorian |
| Claims by Event |
|
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 risk around 3865 Spruce Dr is low, with a 0.02% annual chance of 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 | 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 MYRTLE BEACH serves 49,375 people · EPA ID SC2610001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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