409 Elm St, Gaffney, SC 29340 Property Records

Cherokee County property record for 409 Elm St, Gaffney, SC 29340

Property Summary

Property Type	Single Family Home
Details	2,184 sqft · built 1912
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (May 2025)
Tax Bill	$1,018 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`029848-23-3`

Property Details

APN / Parcel Number

Primary APN	`029848-23-3`
Alternative APNs	`0990600128000 61302089` `099-06-00-128.000` `029707223`

Interior

Stories	1 Story
Building Area	2,184 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Exterior Material	Siding
Lot Area	10,019 sqft (0.23 acres)
Porch	Porch

Location & Zoning

Old Parcel Number	0990600128000 61302089
Street Address	409 ELM ST
City	GAFFNEY
State	SC
Zip	29340-3229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GF
Legal Description	ELM ST LOT 12 .23 AC
Legal Subdivision	AVERY L & RITA S MULLINAX
Legal Lot Number	12
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	1
Census Block	1015
Census Tract	970502

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	409 ELM ST, GAFFNEY, SC 29340-3229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Special Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 24, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2025 · Amount on Record
Deed Sale	May 9, 2025 · Amount on Record
Prior Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	2025-2477
Deed Book / Page	184 / 1489
Record Updated	Jun 8, 2026

September 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE SC
Recording Date	Sep 29, 2023
Property Address	409 ELM ST, GAFFNEY, SC 29340-3229
Document Number	0001650238
Book / Page	165 / 238
Map Reference	MB 12-K PG 769
Instrument Date	Aug 28, 2023
Instrument	202300005575
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9970 MINDY LN, WILTON, CA 95693-9774

Mortgage

Document Number	202300005576
Date	Sep 29, 2023
Instrument	202300005576

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jun 24, 2019
Property Address	409 ELM ST, GAFFNEY, SC 29340-3229
Document Number	0001131493
Book / Page	000113 / 001493
Instrument Date	Jun 10, 2019
Instrument	3058
Transaction Type	Foreclosure
Record Updated	Jul 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.37
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500
Investor	Possibly a Property Investor

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	$1,018.00 (-43.76%)	$7,540 (+64.99%) Land $800 Building $6,740	$188,400 (+147.24%) Land $20,000 Building $168,400
2023	$1,810.00 (+5.85%)	$4,570 (-) Land $480 Building $4,090	$76,200 (-) Land $8,000 Building $68,200
2022	$1,710.00	$4,570 Land $480 Building $4,090	$76,200 Land $8,000 Building $68,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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