407 E Montgomery St, Gaffney, SC 29340 Property Records

Cherokee County property record for 407 E Montgomery St, Gaffney, SC 29340

Property Summary

Property Type	Single Family Home
Details	1,089 sqft · built 1950
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Sep 2022)
Tax Bill	$801 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`031320-23-3`

Property Details

APN / Parcel Number

Primary APN	`031320-23-3`
Alternative APNs	`1000100089000 60970889` `100-01-00-089.000` `000902223`

Interior

Stories	1 Story
Building Area	1,089 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Exterior Material	Siding
Lot Area	10,454 sqft (0.239 acres)
Porch	Porch

Location & Zoning

Old Parcel Number	1000100089000 60970889
Street Address	407 E MONTGOMERY ST
City	GAFFNEY
State	SC
Zip	29340-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GF
Legal Description	407 E MONTGOMERY ST FM TURNER $22500 FM B & W HOLDING GROUP $117000
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	1
Census Block	1085
Census Tract	970201

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 19, 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	407 E MONTGOMERY ST, GAFFNEY, SC 29340-3023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage FIRST NAT'L BK/PA
Feb 7, 2018	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/PA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on Record
Deed Sale	Sep 2, 2022 · Amount on Record
Deed Document Number	0000152242
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	407 E MONTGOMERY ST, GAFFNEY, SC 29340-3023
Document Number	0001332169
Instrument Date	Apr 20, 2021
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	296 NATURES TRL GAFFNEY SC 293414834, GAFFNEY, SC 29341-4834

Mortgage

Document Number	0001332169
Date	Apr 23, 2021
Book Page	000133/002169
Instrument	2386

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	GAFFNEY, SC 29341

Agreement

Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	407 E MONTGOMERY ST, GAFFNEY, SC 29340-3023
Document Number	0001002733
Book / Page	000100 / 002733
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Feb 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	296 NATURES TRL GAFFNEY SC 293414834, GAFFNEY, SC 29341-4834

Mortgage

Document Number	0001002733
Date	Feb 7, 2018
Book Page	000100/002733
Instrument	592

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	GAFFNEY, SC 29341

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of September 13, 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	$801.00 (+10.94%) Homeowner's exemption	$4,360 (-) Land $800 Building $3,560	$109,100 (-) Land $20,000 Building $89,100
2023	$722.00	$4,360 Land $800 Building $3,560	$109,100 Land $20,000 Building $89,100

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.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Dec 2015 · 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

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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