Oconee County property record for 414 E Harper Ridge Dr, Seneca, SC 29678
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,475 sqft · built 2024 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,972 (2025) |
| Deeds & Mortgages | Aug 2023 Construction Loan Oct 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 292-00-05-056 |
| Primary APN | 292-00-05-056 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,475 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Roof Material | Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 39328 |
|---|---|
| Street Address | 414 E HARPER RIDGE DR |
| City | SENECA |
| State | SC |
| Zip | 29678-5400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E HARPER RIDGE (3.00AC) |
| Legal Block | 5 |
| Jurisdiction | OCONEE SC |
| Township / Civil Division | SENECA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30801 |
Source: Oconee County records, as of October 20, 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 | 715 ROCKSTONE DR, SENECA, SC 29678-1880 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2023 | Deed of Trust, Mortgage · Construction Mortgage SOUTHSTATE BANK NA |
| Oct 1, 2024 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCONEE SC |
| Property Address | 414 E HARPER RIDGE DR, SENECA, SC 29678-5400 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000002363 |
|---|---|
| Date | Aug 25, 2023 |
| Book Page | 4482/333 |
| Instrument | 2363 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 6.37% |
| Max Rate At Change | 10.3% |
| Index | 1-Year CMT |
| Max Rate | 14.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCONEE SC |
| Property Address | 414 E HARPER RIDGE DR, SENECA, SC 29678-5400 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 414 E HARPER RIDGE DR, SENECA, SC 29678-5400 |
| Document Number | 0000004029 |
|---|---|
| Date | Oct 1, 2024 |
| Book Page | 4604/125 |
| Instrument | 4029 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2044 |
Source: Oconee County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Oconee County |
| Unified School District | Oconee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,972.00 | $18,524 (+1,958.22%) Land $900 Building $17,624 | $463,100 (+1,958.22%) Land $22,500 Building $440,600 |
| 2023 | $900 Land $900 | $22,500 Land $22,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 43% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 31 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 |
| AT&T DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures