409 E Harper Ridge Dr, Seneca, SC 29678 Property Records

Oconee County property record for 409 E Harper Ridge Dr, Seneca, SC 29678

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,744 sqft · built 2003
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$184,000 (Apr 2017)
Tax Bill	$819 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`292-00-05-021`

Property Details

APN / Parcel Number

Primary APN	`292-00-05-021`
Alternative APN	`39295`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	752 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	480 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39295
Street Address	409 E HARPER RIDGE DR
City	SENECA
State	SC
Zip	29678-5400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPPLATB A885 MAPPLATP 4 P-60 270 HARPER RIDGE ROAD BP#03-00704/04TY
Legal Subdivision	STATE OF SOUTH CAROLINA
Legal Block	5
Jurisdiction	OCONEE SC
Township / Civil Division	SENECA
Census Block Group	1
Census Block	1016
Census Tract	30801

Owner

Source: Oconee County records, as of September 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 E HARPER RIDGE DR, SENECA, SC 29678-5400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA
Apr 10, 2017	Deed, Transfer · Conventional Mortgage SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2017 · Amount on Record
Deed Sale	Apr 10, 2017 · Amount on Record
Prior Sale	May 3, 2010 · Amount on Record
Deed Document Number	201712535
Deed Book / Page	2259 / 110
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Recording Date	Apr 7, 2026
Property Address	409 E HARPER RIDGE DR, SENECA, SC 29678-5400
Document Number	4810000323
Book / Page	4810 / 323
Instrument Date	Mar 31, 2026
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E HARPER RIDGE DR, SENECA, SC 29678-5400

Mortgage

Document Number	4810000323,
Date	Apr 7, 2026
Book Page	4810/323

Lender

Name	SOUTH STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 20, 2031

Interest

Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	409 E HARPER RIDGE DR, SENECA, SC 29678-5400
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017074
Date	Apr 19, 2021
Book Page	4137/313
Instrument	17074

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	OCONEE SC
Recording Date	Apr 10, 2017
Property Address	409 E HARPER RIDGE DR, SENECA, SC 29678-5400
Document Number	0000012535
Book / Page	2259 / 110
Map Reference	MB P-60 PG270
Instrument Date	Apr 7, 2017
Instrument	12535
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E HARPER RIDGE DR, SENECA, SC 29678-5400

Mortgage

Document Number	0000012536
Date	Apr 10, 2017
Instrument	12536

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2037

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Oconee County
Unified School District	Oconee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$819.00	$7,807 (-) Land $900 Building $6,907	$195,186 (-) Land $22,500 Building $172,686
2023		$7,807 Land $900 Building $6,907	$195,186 Land $22,500 Building $172,686

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 December 21, 2017

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 67% of South Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	PIONEER RURAL WATER DIST serves 16,929 people · EPA ID SC3720001
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	1 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Carolina Rural Telephone Cooperative Fiber	8,000 / 8,000
Spectrum Fiber	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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