425 Earls Mill Rd, Seneca, SC 29678 Property Records

Oconee County property record for 425 Earls Mill Rd, Seneca, SC 29678

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,201 sqft · built 2004
Lot Size	6.21 acres (270,943 sqft)
Owner	Individual Name on Record
Last Sale	$241,140 (Jun 2014)
Tax Bill	$997 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`319-00-03-006`

Property Details

APN / Parcel Number

Primary APN	`319-00-03-006`
Alternative APN	`47906`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	3,201 sqft Living Area
Basement Area	1,426 sqft
Finished Basement	1 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Other
Roof Material	Metal
Lot Area	270,943 sqft (6.21 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	47906
Old Parcel Number	319 00 03 006
Street Address	425 EARLS MILL RD
City	SENECA
State	SC
Zip	29678-6214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT B FU 560 BP#04-00691/06TY
Legal Subdivision	JAMES G HART
Legal Tract	B
Legal Block	3
Jurisdiction	OCONEE SC
Township / Civil Division	OAKWAY
Census Block Group	1
Census Block	1040
Census Tract	30903

Owner

Source: Oconee County records, as of November 14, 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
Co-owner	Co-owner on Record
Mailing Address	425 EARLS MILL RD, SENECA, SC 29678-6214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST BANK
Sep 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2014 · Amount on Record
Deed Sale	Jun 6, 2014 · Amount on Record
Prior Sale	Jan 19, 2010 · Amount on Record
Deed Document Number	0000012923
Deed Book / Page	2034 / 237
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	425 EARLS MILL RD, SENECA, SC 29678-6214
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 EARLS MILL RD, SENECA, SC 29678-6214

Mortgage

Document Number	0004540/82
Date	Mar 19, 2024
Book Page	4540/82

Lender

Name	COMMUNITY FIRST BANK
Type	Bank
Address	WALHALLA, SC 29691

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	425 EARLS MILL RD, SENECA, SC 29678-6214
Document Number	0040280037
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 EARLS MILL RD SENECA SC 296786214, SENECA, SC 29678-6214

Mortgage

Document Number	0040280037
Date	Sep 28, 2020
Book Page	004028/000037

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of September 13, 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	$997.00	$10,622 (-) Land $1,628 Building $8,994	$265,556 (-) Land $40,710 Building $224,846
2023		$10,622 Land $1,628 Building $8,994	$265,556 Land $40,710 Building $224,846

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 51% of the US · above 57% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 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
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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