Florence County property record for 404 Spud Ln, Florence, SC 29505
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,481 sqft · built 2005 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $128,000 (Sep 2015) |
| Tax Bill | $748 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15219-01-061 |
| Primary APN | 15219-01-061 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,481 sqft Living Area |
| 1st Floor Area | 1,481 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 404 SPUD LN |
|---|---|
| City | FLORENCE |
| State | SC |
| Zip | 29505-5131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTHBROOK IV-A LT 9 |
| Legal Subdivision | SOUTHBROOK SUBDIVISION FINAL PLAT |
| Legal Lot Number | 9 |
| Jurisdiction | FLORENCE SC |
| Township / Civil Division | DANWOOD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1505 |
404 Spud Ln is owned and occupied by an individual who bought it in September 2015.
Source: Florence County records, as of June 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 SPUD LN, FLORENCE, SC 29505-5131 |
| 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 |
|---|---|
| Jul 1, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 16, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2015 · Amount on File |
| Deed Sale | Sep 18, 2015 · Amount on File |
| Prior Sale | May 16, 2014 · Amount on File |
| Deed Book / Page | 595 / 49 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 404 SPUD LN, FLORENCE, SC 29505-5131 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0009330127 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 933/127 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 404 SPUD LN, FLORENCE, SC 29505-5131 |
| Document Number | 0000013019 |
| Instrument Date | Sep 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 404 SPUD LN FLORENCE SC 295055131, FLORENCE, SC 29505-5131 |
| Document Number | 0000013019 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 000876/001570 |
| Instrument | 13019 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 23, 2050 |
The 2025 property tax bill for 404 Spud Ln was $748.
Source: Florence County assessment roll, as of March 5, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Florence County |
| Municipality | Florence City |
| Unified School District | Florence School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $748.00 | $6,994 Land $920 Building $6,074 | $174,862 Land $23,000 Building $151,862 |
| 2023 | $597.00 (+3.47%) Homeowner's exemption | $5,096,222 (+99,904.36%) Land $920,000 Building $4,176,222 | $12,740,557 (+9,899.97%) Land $2,300,000 Building $10,440,557 |
| 2022 | $577.00 Homeowner's exemption | $5,096 Land $920 Building $4,176 | $127,406 Land $23,000 Building $104,406 |
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 404 Spud Ln in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2015.
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 9 (5% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 11 (2015–2020) |
| Claims Outside the SFHA | 11 of 11 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| 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 404 Spud Ln is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 88% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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 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 |
| 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.
Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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