421 Carolina Downs, York, SC 29745 Property Records

York County property record for 421 Carolina Downs, York, SC 29745

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,749 sqft
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Mar 2021)
Tax Bill	$4,637 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`448-01-01-040`

Property Details

APN / Parcel Number

Primary APN	`448-01-01-040`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,749 sqft Living Area
1st Floor Area	2,885 sqft
2nd Floor Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	217,800 sqft (5 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Location & Zoning

Street Address	421 CAROLINA DOWNS
City	YORK
State	SC
Zip	29745-8854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.00 AC / LOT 4
Legal Subdivision	CAROLINA DOWNS
Legal Lot Number	4
Jurisdiction	YORK SC
Township / Civil Division	YORK
Census Block Group	4
Census Block	4003
Census Tract	61506

Owner

421 Carolina Downs is owned and occupied by an individual who bought it in March 2021.

Source: York County records, as of November 14, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	421 CAROLINA DOWNS, YORK, SC 29745-8854
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA
Mar 25, 2021	Deed, Construction Loan · Construction Mortgage SOUTH STATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Deed Document Number	0019114361
Deed Book / Page	19114 / 361
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	421 CAROLINA DOWNS, YORK, SC 29745-8854
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 CAROLINA DOWNS, YORK, SC 29745-8854

Mortgage

Document Number	2032100047
Date	Jul 28, 2022
Book Page	20321/47
Instrument	2022033782

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	421 CAROLINA DOWNS, YORK, SC 29745-8854
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010000051
Date	Apr 6, 2022
Book Page	20100/51
Instrument	2022016303

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

March 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	YORK SC
Recording Date	Mar 25, 2021
Property Address	421 CAROLINA DOWNS, YORK, SC 29745-8854
Document Number	1911400361
Book / Page	19114 / 361
Map Reference	MB 154 PG 380
Instrument Date	Mar 22, 2021
Instrument	2021016997
Transaction Type	Construction Loan
Record Updated	Jan 10, 2023

Transaction

Amount	Amount on Record
Tax	$462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2021016998
Date	Mar 25, 2021
Instrument	2021016998

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 421 Carolina Downs was $4,637.

Source: York County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Unified School District	York School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,637.00	$26,113 Land $4,446 Building $21,667	$738,660 Land $125,760 Building $612,900
2023	$3,989.00	$22,706 Land $3,880 Building $18,826	$567,671 Land $97,010 Building $470,661

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

FEMA maps place 421 Carolina Downs in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · 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 8 (10% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 421 Carolina Downs is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% 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	YORK COUNTY WEST WD private · serves 18,273 people · EPA ID SC4620003
Water Source	Purchased surface water from CITY OF ROCK HILL
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable · Fiber in parts of the area	2,000 / 200
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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