490 Owens Rd, Clover, SC 29710 Property Records

York County property record for 490 Owens Rd, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,539 sqft · built 2003
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$194,000 (Aug 2018)
Tax Bill	$1,485 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`254-00-00-102`

Property Details

APN / Parcel Number

Primary APN	`254-00-00-102`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,539 sqft Living Area
Gross Area	2,241 sqft
1st Floor Area	1,539 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Location & Zoning

Street Address	490 OWENS RD
City	CLOVER
State	SC
Zip	29710-8651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUDI
Legal Description	LOT 1 (1.0 AC) OWENS RD
Legal Lot Number	1
Jurisdiction	YORK SC
Township / Civil Division	YORK
Census Block Group	1
Census Block	1017
Census Tract	61503

Owner

490 Owens Rd is owned and occupied by an individual who acquired it in October 2020.

Source: York County records, as of June 4, 2026

Owner of Record	Individual Name on File
Mailing Address	490 OWENS RD, CLOVER, SC 29710-8651
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
Nov 13, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCING CORP
May 10, 2018	Deed of Trust, Mortgage WELLS FARGO BK
May 15, 2018	Grant Deed, Transfer WFB NA
Aug 24, 2018	Grant Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2018 · Amount on File
Deed Sale	Aug 24, 2018 · Amount on File
Prior Sale	May 15, 2018 · Amount on File
Deed Document Number	201836786
Deed Book / Page	17150 / 133
Last Transfer Date	Oct 23, 2020
Transfer Doc	1875100217
Record Updated	Sep 20, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YORK SC
Recording Date	Nov 13, 2020
Property Address	490 OWENS RD, CLOVER, SC 29710-8651
Document Number	1875100217
Book / Page	18751 / 217
Map Reference	MB 8-81 PG 4
Instrument Date	Oct 23, 2020
Instrument	2020055330
Transaction Type	Transfer
Record Updated	Jan 28, 2022
Title Company	PRIORITY TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 OWENS RD, CLOVER, SC 29710-8651

Mortgage

Document Number	2020055331
Date	Nov 13, 2020
Instrument	2020055331

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	490 OWENS RD, CLOVER, SC 29710-8651
Document Number	1715000136
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 OWENS RD CLOVER SC 297108651, CLOVER, SC 29710-8651

Mortgage

Document Number	1715000136
Date	Aug 24, 2018
Book Page	017150/000136
Instrument	36787

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2048

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YORK SC
Recording Date	May 15, 2018
Property Address	490 OWENS RD, CLOVER, SC 29710-8651
Document Number	1697300119
Book / Page	016973 / 000119
Instrument Date	May 8, 2018
Instrument	20264
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$717.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 OWENS RD CLOVER SC 297108651, CLOVER, SC 29710-8651

Mortgage

Document Number	1697300122
Date	May 15, 2018
Book Page	016973/000122
Instrument	20265

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 14, 2048

August 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	YORK SC
Recording Date	Aug 24, 2018
Property Address	490 OWENS RD, CLOVER, SC 29710-8651
Document Number	1715000133
Book / Page	017150 / 000133
Instrument Date	May 8, 2018
Instrument	36786
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$717.80
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 OWENS RD CLOVER SC 297108651, CLOVER, SC 29710-8651

Tax Assessment & Valuation

The 2025 property tax bill for 490 Owens Rd was $1,485.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,485.00	$8,606 Land $1,676 Building $6,930	$231,000 Land $45,000 Building $186,000
2023	$1,280.00 Additional exemption filed	$7,483 Land $1,120 Building $6,363	$187,087 Land $28,000 Building $159,087

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 490 Owens Rd 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 8 (10% premium discount)
Nearby Flood Policies	1 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 490 Owens Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	YORK COUNTY WEST WD private · serves 18,273 people · EPA ID SC4620003
Water Source	Purchased surface water from CITY OF ROCK HILL
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200

May also be available: T-Mobile.

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