401 Elm St, Gaffney, SC 29340 Property Records

Cherokee County property record for 401 Elm St, Gaffney, SC 29340

Property Summary

Property Type	Single Family Home
Details	1,374 sqft · built 1931
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$75,000 (Aug 2025)
Tax Bill	$1,186 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023606-23-3`

Property Details

APN / Parcel Number

Primary APN	`023606-23-3`
Alternative APNs	`0990600118000 61409489` `099-06-00-118.000` `023464223`

Interior

Stories	1 Story
Building Area	1,374 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Exterior Material	Siding
Lot Area	8,712 sqft (0.2 acres)
Porch	Slab

Location & Zoning

Street Address	401 ELM ST
City	GAFFNEY
State	SC
Zip	29340-3229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GF
Legal Description	401 ELM ST LT#16
Legal Lot Number	16
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	1
Census Block	1015
Census Tract	970502

Owner

401 Elm St is owned by a company that bought it in August 2025.

Source: Cherokee County records, as of September 28, 2026

Owner of Record	Company Name on File
Mailing Address	6 HANSON CT, GREENVILLE, SC 29615-4331
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Aug 6, 2025	Deed, Transfer
Aug 6, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2025 · Amount on File
Deed Sale	Aug 6, 2025 · Amount on File
Prior Sale	May 29, 1990
Deed Document Number	20254172
Deed Book / Page	187 / 2177
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Recording Date	Sep 18, 2026
Property Address	401 ELM ST, GAFFNEY, SC 29340-3229
Document Number	0000005337
Book / Page	203 / 2514
Instrument Date	Sep 17, 2026
Instrument	20265337
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	6 HANSON CT, GREENVILLE, SC 29615-4331

Mortgage

Document Number	0000005337,
Date	Sep 18, 2026
Book Page	203/2514
Instrument	20265337

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEROKEE SC
Recording Date	Aug 6, 2025
Property Address	401 ELM ST, GAFFNEY, SC 29340-3229
Document Number	0001872177
Book / Page	187 / 2177
Map Reference	MB 8-Z PG 8
Instrument Date	Aug 6, 2025
Instrument	2025-4172
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount 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	6 HANSON CT, GREENVILLE, SC 29615-4331

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE SC
Recording Date	Aug 6, 2025
Property Address	401 ELM ST, GAFFNEY, SC 29340-3229
Document Number	0001872172
Book / Page	187 / 2172
Map Reference	MB 8-Z PG 8
Instrument Date	Aug 6, 2025
Instrument	2025-4171
Transaction Type	Transfer
Record Updated	Jan 15, 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

Tax Assessment & Valuation

The 2025 property tax bill for 401 Elm St was $1,186.

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	$1,186.00	$2,860 Land $480 Building $2,380	$47,600 Land $8,000 Building $39,600
2023	$1,133.00	$2,860 Land $480 Building $2,380	$47,600 Land $8,000 Building $39,600

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 401 Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016

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

Wildfire risk around 401 Elm St is low, with a 0.01% 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	0.01% 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 330 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 / 50
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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