435 Riveroak Rd, Inman, SC 29349 Property Records

Spartanburg County property record for 435 Riveroak Rd, Inman, SC 29349

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,135 sqft · built 1994
Lot Size	2.65 acres (115,434 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Feb 2023)
Tax Bill	$3,073 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2-29-00-033.03`

Property Details

APN / Parcel Number

Primary APN	`2-29-00-033.03`
Alternative APNs	`6198-44-3705.61` `30767`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,135 sqft Living Area
Gross Area	4,527 sqft
Upper Floors Area	1,045 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	115,434 sqft (2.65 acres)
Garage Type	Attached
Garage Area	624 sqft
Porch	Porch
Porch Area	504 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	30767
Street Address	435 RIVEROAK RD
City	INMAN
State	SC
Zip	29349-8157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P/O LOT 1 MILTON A SMITH SUR PB 107-547 DB 66C-707 PB 172-362
Legal Subdivision	MILTON A SMITH
Legal Lot Number	1
Jurisdiction	SPARTANBURG SC
Township / Civil Division	BOILING SPRINGS
Census Block Group	1
Census Block	1014
Census Tract	22404

Owner

435 Riveroak Rd is owned and occupied by two individuals who bought it in February 2023.

Source: Spartanburg County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	435 RIVEROAK RD, INMAN, SC 29349-8157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Feb 9, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 21, 2023	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 23, 2018	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Jan 24, 2018	Deed, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2023 · Amount on File
Deed Sale	Feb 21, 2023 · Amount on File
Prior Sale	Jan 24, 2018 · Amount on File
Deed Document Number	20236525
Deed Book / Page	140W / 504
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPARTANBURG SC
Recording Date	Apr 17, 2026
Property Address	435 RIVEROAK RD, INMAN, SC 29349-8157
Document Number	0000017021
Book / Page	7205 / 347
Instrument Date	Apr 9, 2026
Instrument	202617021
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 RIVEROAK RD, INMAN, SC 29349-8157

Mortgage

Document Number	0000017021,
Date	Apr 17, 2026
Book Page	7205/347
Instrument	202617021

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPARTANBURG SC
Property Address	435 RIVEROAK RD, INMAN, SC 29349-8157
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 RIVEROAK RD, INMAN, SC 29349-8157

Mortgage

Document Number	0000005257
Date	Feb 9, 2026
Book Page	7156/728
Instrument	2026-5257

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SPARTANBURG SC
Recording Date	Feb 21, 2023
Property Address	435 RIVEROAK RD, INMAN, SC 29349-8157
Document Number	0000006525
Book / Page	140-W / 504
Map Reference	MB 107 PG 547
Instrument Date	Feb 21, 2023
Instrument	2023-6525
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,274.00
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
Address	435 RIVEROAK RD, INMAN, SC 29349-8157

Mortgage

Document Number	0000006526
Date	Feb 21, 2023
Book Page	6534/966
Instrument	2023-06526

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPARTANBURG SC
Property Address	435 RIVEROAK RD, INMAN, SC 29349-8157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012529
Date	Mar 23, 2018
Book Page	5421/0972
Instrument	2018-12529

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SPARTANBURG SC
Recording Date	Jan 24, 2018
Property Address	435 RIVEROAK RD, INMAN, SC 29349-8157
Document Number	0000003213
Map Reference	MB107 PG547
Instrument Date	Jan 17, 2018
Instrument	2018-03213
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 RIVEROAK RD, INMAN, SC 29349-8157

Mortgage

Document Number	0000003214
Date	Jan 24, 2018
Instrument	2018-03214

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 435 Riveroak Rd was $3,073, up 5.7% from the year before.

Source: Spartanburg County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Spartanburg County
Unified School District	Spartanburg School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,073.00 (+5.75%)	$19,600 Land $2,172 Building $17,428	$490,000 Land $54,300 Building $435,700
2024	$2,906.00 (+51.99%)
2023	$1,912.00	$14,720 Land $1,793 Building $12,927	$445,700 Land $54,300 Building $391,400

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 435 Riveroak Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2022 · 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
Nearby Flood Policies	3 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 435 Riveroak Rd 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 86% 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	SPARTANBURG WATER SYSTEM serves 166,364 people · EPA ID SC4210001
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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