440 Sterling Dr, Florence, SC 29501 Property Records

Florence County property record for 440 Sterling Dr, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,622 sqft · built 2006
Lot Size	0.18 acres (7,800 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Nov 2020)
Tax Bill	$999 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09818-01-011`

Property Details

APN / Parcel Number

Primary APN	`09818-01-011`
Alternative APN	`15025269`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,622 sqft Living Area
1st Floor Area	1,622 sqft

Exterior

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	7,800 sqft (0.18 acres)
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	440 STERLING DR
City	FLORENCE
State	SC
Zip	29501-7566
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOFFMEYER CROSSING LT11
Legal Subdivision	HOFFMEYER CROSSINGS PHASE I
Legal Lot Number	11
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1001
Census Tract	101

Owner

440 Sterling Dr is owned and occupied by an individual who bought it in November 2020.

Source: Florence County records, as of June 5, 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	440 STERLING DR, FLORENCE, SC 29501-7566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020 · Amount on File
Deed Sale	Nov 20, 2020 · Amount on File
Prior Sale	Mar 15, 2006 · Amount on File
Deed Book / Page	887 / 907
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Nov 20, 2020
Property Address	440 STERLING DR, FLORENCE, SC 29501-7566
Document Number	0000016230
Book / Page	000887 / 000907
Instrument Date	Nov 12, 2020
Instrument	16230
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.00
Amount Accuracy	Confirmed
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	440 STERLING DR FLORENCE SC 295017566, FLORENCE, SC 29501-7566

Mortgage

Document Number	16231
Date	Nov 20, 2020
Book Page	000887/000913
Instrument	16231

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 440 Sterling Dr was $999.

Source: Florence County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Florence County
Unified School District	Florence School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$999.00	$10,178 Land $1,040 Building $9,138	$254,453 Land $26,000 Building $228,453
2023	$939.00 (+10.34%) Homeowner's exemption	$7,547,466 (+99,906.17%) Land $1,040,000 Building $6,507,466	$18,868,666 (+9,899.98%) Land $2,600,000 Building $16,268,666
2022	$851.00 Homeowner's exemption	$7,547 Land $1,040 Building $6,507	$188,687 Land $26,000 Building $162,687

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 440 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

Wildfire risk around 440 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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

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