402 E Montgomery St, Gaffney, SC 29340 Property Records

Cherokee County property record for 402 E Montgomery St, Gaffney, SC 29340

Property Summary

Property Type	Single Family Home
Details	1,262 sqft · built 1941
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$5,769 (Feb 2022)
Tax Bill	$591 (2025)
Deeds & Mortgages	Jan 2023 Construction Loan Nov 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`031106-23-3`

Property Details

APN / Parcel Number

Primary APN	`031106-23-3`
Alternative APNs	`1000100085000 60915589` `100-01-00-085.000` `030757223`

Interior

Stories	1 Story
Building Area	1,262 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Siding
Lot Area	11,326 sqft (0.26 acres)
Garage Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Location & Zoning

Street Address	402 E MONTGOMERY ST
City	GAFFNEY
State	SC
Zip	29340-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GF
Legal Description	402 E MONTGOMERY ST FM DAVID N WELLS PROBATE\\GETS MAIL @MOMS HOUSE 4% SIGNED SP FM PATRICIA WELLS $5
Legal Subdivision	SAMS PROPERTY
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	1
Census Block	1012
Census Tract	970601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Gaffney Residential Historic District listed 1986 · 111 contributing resources · NRIS 86000601

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cherokee County records, as of November 20, 2025

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	402 E MONTGOMERY ST, GAFFNEY, SC 29340-3024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST PIEDMONT FSLA
Nov 21, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2022 · Amount on Record
Deed Sale	Feb 18, 2022 · Amount on Record
Prior Sale	Mar 16, 2015
Deed Document Number	20221037
Deed Book / Page	144 / 2024
Transfer Doc	0000001037
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	402 E MONTGOMERY ST, GAFFNEY, SC 29340-3024
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E MONTGOMERY ST, GAFFNEY, SC 29340-3024

Mortgage

Document Number	0001560959
Date	Jan 19, 2023
Book Page	156/959
Instrument	202300000339

Lender

Name	FIRST PIEDMONT FSLA
Type	Bank
Address	GAFFNEY, SC 29341

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 1, 2054

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE SC
Recording Date	Nov 21, 2019
Property Address	402 E MONTGOMERY ST, GAFFNEY, SC 29340-3024
Document Number	0001172445
Book / Page	000117 / 002445
Instrument Date	Nov 20, 2019
Instrument	5877
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E MONTGOMERY ST GAFFNEY SC 293403024, GAFFNEY, SC 29340-3024

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	$591.00 (+10.88%) Homeowner's exemption	$3,220 (-) Land $400 Building $2,820	$80,500 (-) Land $10,000 Building $70,500
2023	$533.00	$3,220 Land $400 Building $2,820	$80,500 Land $10,000 Building $70,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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