Florence County property record for 440 Millstone Rd, Florence, SC 29505
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,912 sqft · built 1989 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $549,900 (Jun 2026) |
| Tax Bill | $1,352 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage May 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01514-01-005 |
| Primary APN | 01514-01-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,912 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Mixed |
| Garage Area | 484 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 440 MILLSTONE RD |
|---|---|
| City | FLORENCE |
| State | SC |
| Zip | 29505-3921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MULDROWS MILL LOT 5-A |
| Legal Subdivision | MULDOWS MILL |
| Legal Lot Number | 5-A |
| Jurisdiction | FLORENCE SC |
| Township / Civil Division | FLORENCE |
| Census Block Group | 5 |
| Census Block | 5016 |
| Census Tract | 1400 |
Source: Florence County records, as of July 7, 2026
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 |
|---|---|
| Mailing Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 26, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST RELIANCE BANK |
| Mar 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAFE FCU |
| Dec 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jul 2, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2026 · Amount on Record |
| Deed Sale | Jun 26, 2026 · Amount on Record |
| Prior Sale | Dec 9, 2021 · Amount on Record |
| Deed Document Number | 20268687 |
| Deed Book / Page | 1224 / 89 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLORENCE SC |
| Recording Date | Jun 26, 2026 |
| Property Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Document Number | 0000008687 |
| Book / Page | 1224 / 89 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 20268687 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144,403.74 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Document Number | 0000008688, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 20268688 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Document Number | 0009950544 |
|---|---|
| Date | May 26, 2022 |
| Book Page | 995/544 |
| Name | FIRST RELIANCE BANK |
|---|---|
| Type | Bank |
| Address | FLORENCE, SC 29501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0010381221 |
|---|---|
| Date | Mar 9, 2023 |
| Book Page | 1038/1221 |
| Instrument | 2023-00002881 |
| Name | SAFE FCU |
|---|---|
| Type | Credit Union |
| Address | SUMTER, SC 29150 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLORENCE SC |
| Recording Date | Dec 9, 2021 |
| Property Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Document Number | 0009641823 |
| Book / Page | 964 / 1823 |
| Map Reference | MB 31 PG 220 |
| Instrument Date | Nov 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Document Number | 0009641828 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 964/1828 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLORENCE SC |
| Recording Date | Jul 2, 2021 |
| Property Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Document Number | 0009331279 |
| Book / Page | 933 / 1279 |
| Map Reference | MB 31 PG 220 |
| Instrument Date | Jul 2, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 MILLSTONE RD, FLORENCE, SC 29505-3921 |
| Document Number | 0009331284 |
|---|---|
| Date | Jul 2, 2021 |
| Instrument | 933/1284 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
Source: Florence County assessment roll, as of March 5, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Florence County |
| Municipality | Florence City |
| Unified School District | Florence School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,352.00 (+34.39%) | $14,380 (-99.87%) Land $1,600 Building $12,780 | $359,522 (-98.69%) Land $40,000 Building $319,522 |
| 2023 | $1,006.00 (-0.49%) Homeowner's exemption | $10,943,859 (+99,898.71%) Land $1,600,000 Building $9,343,859 | $27,359,649 (+9,900.02%) Land $4,000,000 Building $23,359,649 |
| 2022 | $1,011.00 Homeowner's exemption | $10,944 Land $1,600 Building $9,344 | $273,596 Land $40,000 Building $233,596 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 18 (1992–2016) |
| Claims Outside the SFHA | 7 of 18 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 91% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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