Florence County property record for 435 Sterling Dr, Florence, SC 29501
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,942 sqft · built 2006 |
| Lot Size | 0.25 acres (11,017 sqft) |
| Owner | Individual Name on File |
| Last Sale | $223,000 (Aug 2010) |
| Tax Bill | $875 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09818-01-060 |
| Primary APN | 09818-01-060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,942 sqft Living Area |
| 1st Floor Area | 1,673 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 11,017 sqft (0.25 acres) |
| Garage Area | 449 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 357 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Street Address | 435 STERLING DR |
|---|---|
| City | FLORENCE |
| State | SC |
| Zip | 29501-7566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOFFMEYER CROSSING L 60 |
| Legal Subdivision | HOFFMEYER CROSSINGS SUBDIVISION PHASE 1 |
| Legal Lot Number | 60 |
| Jurisdiction | FLORENCE SC |
| Township / Civil Division | FLORENCE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 101 |
435 Sterling Dr is owned and occupied by an individual who bought it in August 2010.
Source: Florence County records, as of July 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 435 STERLING DR, FLORENCE, SC 29501-7566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jun 20, 2019 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2010 · Amount on File |
| Deed Sale | Aug 31, 2010 · Amount on File |
| Prior Sale | Jul 31, 2006 · Amount on File |
| Deed Book / Page | 317 / 114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Recording Date | Jul 7, 2026 |
| Property Address | 435 STERLING DR, FLORENCE, SC 29501-7566 |
| Document Number | 0000009207 |
| Book / Page | 1225 / 1930 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 20269207 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 435 STERLING DR, FLORENCE, SC 29501-7566 |
| Document Number | 0000009207, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 1225/1930 |
| Instrument | 20269207 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 435 STERLING DR, FLORENCE, SC 29501-7566 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2026 |
| Title Company | EXPERT TITLE AND ABSTRACT, EXPERT TITLE & ABSTRACT LLC |
| Name | Verified Name |
|---|
| Document Number | 0009401195 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 940/1195 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 435 STERLING DR, FLORENCE, SC 29501-7566 |
| Document Number | 0000008723 |
| Instrument Date | Jun 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 435 STERLING DR FLORENCE SC 295017566, FLORENCE, SC 29501-7566 |
| Document Number | 0000008723 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 000803/001201 |
| Instrument | 8723 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 435 Sterling Dr was $875.
Source: Florence County assessment roll, as of March 5, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Florence County |
| Unified School District | Florence School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $875.00 | $11,466 Land $1,040 Building $10,426 | $286,667 Land $26,000 Building $260,667 |
| 2023 | $814.00 (+13.69%) Homeowner's exemption | $8,348,344 (+99,904.12%) Land $1,040,000 Building $7,308,344 | $20,870,861 (+9,899.98%) Land $2,600,000 Building $18,270,861 |
| 2022 | $716.00 Homeowner's exemption | $8,348 Land $1,040 Building $7,308 | $208,709 Land $26,000 Building $182,709 |
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.
FEMA maps place 435 Sterling Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · 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 9 (5% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
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 risk around 435 Sterling Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 | CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Turbidity resolved · Jan 2018 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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