475 Lay Mill Rd, Walhalla, SC 29691 Property Records

Oconee County property record for 475 Lay Mill Rd, Walhalla, SC 29691

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,443 sqft · built 2004
Lot Size	14.2 acres (620,294 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Aug 2019)
Tax Bill	$1,052 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`095-00-01-065`

Property Details

APN / Parcel Number

Primary APN	`095-00-01-065`
Alternative APN	`5597`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	2,443 sqft Living Area
Basement Area	656 sqft
Finished Basement	1 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Traditional
Exterior Material	Other
Roof Material	Shingle
Lot Area	620,294 sqft (14.2 acres)
Garage Type	Attached
Garage Area	625 sqft
Pool Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5597
Old Parcel Number	095 00 01 065
Street Address	475 LAY MILL RD
City	WALHALLA
State	SC
Zip	29691-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 13A BP#06-01423/07TY
Legal Subdivision	RAY DUNN LAND SURVEYORS
Legal Tract	13A
Legal Block	1
Legal Lot Number	13
Jurisdiction	OCONEE SC
Township / Civil Division	WALHALLA
Census Block Group	1
Census Block	1037
Census Tract	30301

Owner

Source: Oconee County records, as of November 14, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	475 LAY MILL RD, WALHALLA, SC 29691-3233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME BANK
Aug 15, 2019	Grant Deed, Transfer · Line of Credit BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2019 · Amount on Record
Deed Sale	Aug 15, 2019 · Amount on Record
Prior Sale	Jan 4, 2013 · Amount on Record
Deed Document Number	0024940126
Deed Book / Page	002494 / 000126
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	475 LAY MILL RD, WALHALLA, SC 29691-3233
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007971
Date	Nov 16, 2021
Book Page	4246/281
Instrument	7971

Lender

Name	FIRST HOME BANK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCONEE SC
Recording Date	Aug 15, 2019
Property Address	475 LAY MILL RD, WALHALLA, SC 29691-3233
Document Number	0024940126
Book / Page	002494 / 000126
Instrument Date	Aug 15, 2019
Transaction Type	Transfer
Record Updated	Sep 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,036.00
Amount Accuracy	Confirmed
Additional	Lis Pendens 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	475 LAY MILL RD WALHALLA SC 296913233, WALHALLA, SC 29691-3233

Mortgage

Document Number	38600287
Date	Aug 15, 2019
Book Page	003860/000287

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of September 13, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,052.00	$12,469 (-) Land $2,734 Building $9,735	$311,735 (-) Land $68,350 Building $243,385
2023		$12,469 Land $2,734 Building $9,735	$311,735 Land $68,350 Building $243,385

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

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · above 81% of South Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Carolina Rural Telephone Cooperative Fiber	8,000 / 8,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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