431 Pacific Commons Dr, Surfside Beach (Myrtle Beach), SC 29575 Property Records

Horry County property record for 431 Pacific Commons Dr, Surfside Beach, SC 29575

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,350 sqft · built 2020
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$271,500 (Aug 2020)
Tax Bill	$1,144 (2023)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459-06-04-0128`

Property Details

APN / Parcel Number

Primary APN	`459-06-04-0128`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,350 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	414 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	431 PACIFIC COMMONS DR
City	SURFSIDE BEACH
State	SC
Zip	29575-5535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RETREAT @ OCEAN COMMONS PH 4; LOT 117
Legal Subdivision	RETREAT @ OCEAN COMMONS PH 4
Legal Lot Number	117
Jurisdiction	HORRY SC
Township / Civil Division	MYRTLE BEACH
Census Block Group	2
Census Block	2005
Census Tract	51403

Owner

431 Pacific Commons Dr is owned and occupied by an individual who bought it in August 2020.

Source: Horry County records, as of February 6, 2026

Owner of Record	Individual Name on File
Mailing Address	431 PACIFIC COMMONS DR, MYRTLE BEACH, SC 29575-5535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on File
Deed Sale	Aug 4, 2020 · Amount on File
Deed Book / Page	4331 / 2801
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HORRY SC
Recording Date	Aug 4, 2020
Property Address	431 PACIFIC COMMONS DR, SURFSIDE BEACH, SC 29575-5535
Document Number	4331/2801
Book / Page	004331 / 002801
Instrument Date	Jul 31, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 30, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,005.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 PACIFIC COMMONS DR SURFSIDE BEACH SC 295755535, SURFSIDE BEACH, SC 29575-5535

Mortgage

Document Number	6247/0393
Date	Aug 4, 2020
Book Page	006247/000393

Lender

Name	DHI MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 3, 2035

Tax Assessment & Valuation

Source: Horry County assessment roll, as of February 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024			$458,477 (+70.47%) Land $145,433 Building $313,044
2023	$1,144.00	$10,760 Land $1,890 Building $8,870	$268,950 Land $47,250 Building $221,700
2021	$1,107.00	$16,137 Land $2,835 Building $13,302	$268,950 Land $47,250 Building $221,700

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 431 Pacific Commons Dr in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective September 10, 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
Flood Insurance Cost	Premium on File median of 90 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	127 units insured incl. 37 condo units
Nearby Flood Claims	21 (1996–2026)
Claims Outside the SFHA	21 of 21
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims Severe Winds And Flooding Assoc With Hurricane Fran, Oct 1996 · 2 claims

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 431 Pacific Commons Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.1% of South Carolina
Wildfire Likelihood	0.01% 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	GRAND STRAND W&SA/BULL CREEK serves 252,840 people · EPA ID SC2620004
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
HTC Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20