491 Starr Ridge Rd, Gaffney, SC 29340 Property Records

Cherokee County property record for 491 Starr Ridge Rd, Gaffney, SC 29340

Property Summary

Property Type	Single Family Home
Details	2,312 sqft · built 1994
Lot Size	5.32 acres (231,739 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Feb 2025)
Tax Bill	$1,721 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Oct 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`022088-23-3`

Property Details

APN / Parcel Number

Primary APN	`022088-23-3`
Alternative APNs	`1050000023000 60934189` `105-00-00-023.000` `021989223`

Interior

Stories	2 Stories
Building Area	2,312 sqft Living Area
Basement Area	1,148 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Siding
Lot Area	231,739 sqft (5.32 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Location & Zoning

Old Parcel Number	1050000023000 60934189
Street Address	491 STARR RIDGE RD
City	GAFFNEY
State	SC
Zip	29340-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	491 STARR RIDGE RD 5.32AC
Legal Subdivision	LAVENDER SMITH&ASSOCIATES INC
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	2
Census Block	2008
Census Tract	970602

Owner

491 Starr Ridge Rd is owned and occupied by an individual who bought it in February 2025.

Source: Cherokee County records, as of November 19, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	491 STARR RIDGE RD, GAFFNEY, SC 29340-6115
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
Feb 16, 2021	Warranty Deed, Transfer · VA Mortgage BENCHMARK MTG
Oct 18, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Apr 25, 2019	Grant Deed, Transfer OTHER
Aug 15, 2017	Grant Deed, Transfer TD BK NA
Jan 4, 2017	Loan Modification, Mortgage MIDLAND MTG
Jan 5, 2017	Grant Deed, Transfer · FHA Mortgage MIDLAND MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2025 · Amount on File
Deed Sale	Feb 20, 2025 · Amount on File
Prior Sale	Jun 20, 2007 · Amount on File
Deed Document Number	2025-869
Deed Book / Page	181 / 1133
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE SC
Recording Date	Feb 16, 2021
Property Address	491 STARR RIDGE RD, GAFFNEY, SC 29340-6115
Document Number	0001310882
Book / Page	000131 / 000882
Instrument Date	Feb 9, 2021
Instrument	915
Transaction Type	Transfer
Record Updated	Mar 8, 2021
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,055.00
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	491 STARR RIDGE RD GAFFNEY SC 293406115, GAFFNEY, SC 29340-6115

Mortgage

Document Number	1310885
Date	Feb 16, 2021
Book Page	000131/000885
Instrument	916

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE SC
Property Address	491 STARR RIDGE RD, GAFFNEY, SC 29340-6115
Document Number	0001162853
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 STARR RIDGE RD GAFFNEY SC 293406115, GAFFNEY, SC 29340-6115

Mortgage

Document Number	0001162853
Date	Oct 23, 2019
Book Page	000116/002853
Instrument	5323

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Apr 25, 2019
Property Address	491 STARR RIDGE RD, GAFFNEY, SC 29340-6115
Document Number	0001112817
Book / Page	000111 / 002817
Instrument Date	Apr 24, 2019
Instrument	1948
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$898.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 STARR RIDGE RD GAFFNEY SC 293406115, GAFFNEY, SC 29340-6115

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Aug 15, 2017
Property Address	491 STARR RIDGE RD, GAFFNEY, SC 29340-6115
Document Number	0000961573
Book / Page	000096 / 001573
Instrument Date	Aug 9, 2017
Instrument	3932
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 STARR RIDGE RD GAFFNEY SC 293406115, GAFFNEY, SC 29340-6115

Mortgage

Document Number	961575
Date	Aug 15, 2017
Book Page	000096/001575
Instrument	3933

Lender

Name	TD BK NA
Type	Bank
Address	MARSHALLTON, DE 19808

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHEROKEE SC
Property Address	491 STARR RIDGE RD, GAFFNEY, SC 29340-6115
Document Number	0000912293
Instrument Date	Jan 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 STARR RIDGE RD GAFFNEY SC 293406115, GAFFNEY, SC 29340-6115

Mortgage

Document Number	0000912293
Date	Jan 30, 2017
Book Page	000091/002293
Instrument	427

Lender

Name	MIDLAND MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHEROKEE SC
Recording Date	Jan 5, 2017
Property Address	491 STARR RIDGE RD, GAFFNEY, SC 29340-6115
Document Number	0000910806
Book / Page	000091 / 000806
Instrument Date	Jan 3, 2017
Instrument	45
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	NOT AVAILABLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 STARR RIDGE RD GAFFNEY SC 293406115, GAFFNEY, SC 29340-6115

Mortgage

Document Number	910810
Date	Jan 5, 2017
Book Page	000091/000810
Instrument	46

Lender

Name	MIDLAND MTG
Type	Mortgage Company
Address	COLUMBIA, SC 29201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 491 Starr Ridge Rd was $1,721 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,721.00 Homeowner's exemption	$12,940 Land $1,300 Building $11,640	$322,500 Land $31,600 Building $290,900
2023	$1,459.00	$12,940 Land $1,300 Building $11,640	$322,500 Land $31,600 Building $290,900

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 491 Starr Ridge Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · 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
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 491 Starr Ridge Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.06% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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