400 Spruce St, Florence, SC 29501 Property Records

Florence County property record for 400 Spruce St, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,446 sqft · built 1920
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Mar 2023)
Tax Bill	$2,518 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`90076-02-012`

Property Details

APN / Parcel Number

Primary APN	`90076-02-012`
Alternative APN	`15038739`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,446 sqft Living Area
1st Floor Area	1,446 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	150 ft deep x 45 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	400 SPRUCE ST
City	FLORENCE
State	SC
Zip	29501-5128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	MCQUEEN & SPRUCE
Legal Subdivision	PARK PLACE SUBDIVISION
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1039
Census Tract	1000

Owner

400 Spruce St is owned and occupied by an individual who bought it in March 2023.

Source: Florence County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	400 SPRUCE ST, FLORENCE, SC 29501-5128
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
Mar 21, 2023	Survivorship Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Sep 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 7, 2020	Deed of Trust, Mortgage · Conventional with PMI SHARONVIEW FCU
Jul 14, 2017	Deed, Transfer · FHA Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2023 · Amount on File
Deed Sale	Mar 21, 2023 · Amount on File
Prior Sale	Jul 14, 2017 · Amount on File
Deed Document Number	20233472
Deed Book / Page	1040 / 814
Prior Transfer Date	Aug 27, 2020
Prior Transfer Doc	0872001755
Record Updated	Sep 20, 2026

March 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	FLORENCE SC
Recording Date	Mar 21, 2023
Property Address	400 SPRUCE ST, FLORENCE, SC 29501-5128
Document Number	0010400814
Book / Page	1040 / 814
Map Reference	MB C PG 155
Instrument Date	Mar 17, 2023
Instrument	2023-00003472
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 SPRUCE ST, FLORENCE, SC 29501-5128

Mortgage

Document Number	0001040818
Date	Mar 21, 2023
Instrument	1040/818

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLORENCE SC
Recording Date	Sep 2, 2020
Property Address	400 SPRUCE ST, FLORENCE, SC 29501-5128
Document Number	0000011916
Book / Page	000872 / 001755
Instrument Date	Aug 27, 2020
Instrument	11916
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 SPRUCE ST FLORENCE SC 295015128, FLORENCE, SC 29501-5128

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	400 SPRUCE ST, FLORENCE, SC 29501-5128
Document Number	0000011589
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 SPRUCE ST FLORENCE SC 295015128, FLORENCE, SC 29501-5128

Mortgage

Document Number	0000011589
Date	Aug 27, 2020
Book Page	000871/001342
Instrument	11589

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2050

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Jul 14, 2017
Property Address	400 SPRUCE ST, FLORENCE, SC 29501-5128
Document Number	00B7010255
Book / Page	B701 / 0255
Map Reference	MB 54 PG435
Instrument Date	Jul 7, 2017
Transaction Type	Transfer
Record Updated	Mar 31, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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

Mortgage

Document Number	0007010260
Date	Jul 14, 2017
Book Page	B701/0260

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 400 Spruce St was $2,518.

Source: Florence County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Florence County
Municipality	Florence City
Unified School District	Florence School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,518.00	$5,528 Land $360 Building $5,168	$138,208 Land $9,000 Building $129,208
2023	$470.00 (+6.33%) Homeowner's exemption	$3,913,235 (+99,906.01%) Land $360,000 Building $3,553,235	$9,783,089 (+9,899.99%) Land $900,000 Building $8,883,089
2022	$442.00 Homeowner's exemption	$3,913 Land $360 Building $3,553	$97,831 Land $9,000 Building $88,831

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 400 Spruce St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1985–2021)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2021 · rainfall accumulation

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 400 Spruce St 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 97% of the US · lower than 99.1% 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	CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 159 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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