446 Clouds Way, Rock Hill, SC 29732 Property Records

York County property record for 446 Clouds Way, Rock Hill, SC 29732

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,436 sqft · built 2015
Lot Size	0.046 acres (2,022 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 2020)
Tax Bill	$1,934 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`594-09-06-204`

Property Details

APN / Parcel Number

Primary APN	`594-09-06-204`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,436 sqft Living Area
Gross Area	1,884 sqft
1st Floor Area	626 sqft
2nd Floor Area	810 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Lot Area	2,022 sqft (0.046 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	28 sqft
Patio Area	140 sqft

Location & Zoning

Street Address	446 CLOUDS WAY
City	ROCK HILL
State	SC
Zip	29732-3289
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCI
Legal Description	LOT 240 MILLWOOD PLAN PHS V
Legal Subdivision	MILLWD
Legal Lot Number	240
Jurisdiction	YORK SC
Township / Civil Division	ROCK HILL
Census Block Group	4
Census Block	4010
Census Tract	60700

Owner

446 Clouds Way is owned and occupied by an individual who bought it in August 2020.

Source: York County records, as of May 5, 2026

Owner of Record	Individual Name on File
Mailing Address	446 CLOUDS WAY, ROCK HILL, SC 29732-3289
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 29, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 19, 2020	Deed, Transfer · Conventional Mortgage PRIMELENDING
Sep 11, 2019	Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2020 · Amount on File
Deed Sale	Aug 19, 2020 · Amount on File
Prior Sale	Sep 11, 2019 · Amount on File
Deed Document Number	202037963
Deed Book / Page	18511 / 472
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	446 CLOUDS WAY, ROCK HILL, SC 29732-3289
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2158400241
Date	Oct 29, 2024
Book Page	21584/241
Instrument	2024034531

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2054

Interest

Change Frequency	Monthly

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	YORK SC
Recording Date	Aug 19, 2020
Property Address	446 CLOUDS WAY, ROCK HILL, SC 29732-3289
Document Number	1851100472
Book / Page	18511 / 472
Map Reference	CAB D-65 PG 2
Instrument Date	Aug 18, 2020
Instrument	2020037963
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CLOUDS WAY, ROCK HILL, SC 29732-3289

Mortgage

Document Number	2020037964
Date	Aug 19, 2020
Instrument	2020037964

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	YORK SC
Recording Date	Sep 11, 2019
Property Address	446 CLOUDS WAY, ROCK HILL, SC 29732-3289
Document Number	1777200016
Book / Page	17772 / 016
Instrument Date	Aug 29, 2019
Instrument	2019038635
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$684.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 CLOUDS WAY, ROCK HILL, SC 29732-3289

Mortgage

Document Number	2019038636
Date	Sep 11, 2019
Instrument	2019038636

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 446 Clouds Way was $1,934.

Source: York County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Municipality	Rock Hill City
Unified School District	York School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,934.00	$9,004 Land $1,947 Building $7,057	$240,500 Land $52,000 Building $188,500
2023	$1,722.00	$7,829 Land $1,280 Building $6,549	$195,733 Land $32,000 Building $163,733

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 446 Clouds Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 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
Community Rating System	Class 7 (15% premium discount)
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 446 Clouds Way is low, with less than 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 99.1% of the US · lower than 99.7% of South Carolina
Wildfire Likelihood	Under 0.01% 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 ROCK HILL serves 89,850 people · EPA ID SC4610002
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) 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 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber · Cable in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Spectrum.

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