509 Bertram Rd, Fort Mill, SC 29708 Property Records

York County property record for 509 Bertram Rd, Fort Mill, SC 29708

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,630 sqft · built 2007
Lot Size	0.179 acres (7,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Jun 2026)
Tax Bill	$2,522 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`651-05-01-046`

Property Details

APN / Parcel Number

Primary APN	`651-05-01-046`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,630 sqft Living Area
Gross Area	4,278 sqft
1st Floor Area	1,584 sqft
2nd Floor Area	2,046 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Lot Area	7,806 sqft (0.179 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Patio Area	144 sqft

Location & Zoning

Street Address	509 BERTRAM RD
City	FORT MILL
State	SC
Zip	29708-7702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDII
Legal Description	LT# 31 SPICEWOOD SUB PHASE II
Legal Subdivision	SPICEWOOD
Legal Phase	2
Legal Lot Number	31
Jurisdiction	YORK SC
Township / Civil Division	FORT MILL
Census Block Group	2
Census Block	2000
Census Tract	61012

Owner

Source: York County records, as of June 16, 2026

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	509 BERTRAM RD, FORT MILL, SC 29708-7702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST CITIZENS BANK & TRUST CO
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 1, 2026	Deed, Transfer · Conventional Mortgage US HOME MORTGAGE
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Apr 9, 2015 · Amount on Record
Deed Document Number	202619130
Deed Book / Page	22614 / 439
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	509 BERTRAM RD, FORT MILL, SC 29708-7702
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 BERTRAM RD, FORT MILL, SC 29708-7702

Mortgage

Document Number	1934800486
Date	Jun 15, 2021
Book Page	19348/486
Instrument	2021034551

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 9, 2046

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	509 BERTRAM RD, FORT MILL, SC 29708-7702
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1915600351
Date	Apr 7, 2021
Book Page	19156/351
Instrument	2021020090

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	YORK SC
Recording Date	Jun 1, 2026
Property Address	509 BERTRAM RD, FORT MILL, SC 29708-7702
Document Number	2261400439
Book / Page	22614 / 439
Instrument Date	Mar 10, 2026
Instrument	202619130
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161,499.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	509 BERTRAM RD, FORT MILL, SC 29708-7702

Mortgage

Document Number	0000019131,
Date	Jun 1, 2026
Instrument	202619131

Lender

Name	US HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	509 BERTRAM RD, FORT MILL, SC 29708-7702
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1845700266
Date	Jul 30, 2020
Book Page	18457/266
Instrument	2020034122

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,522.00 (+18.02%)	$14,365 (+15%) Land $2,023 Building $12,342	$532,500 (+48.87%) Land $75,000 Building $457,500
2023	$2,137.00	$12,491 Land $1,858 Building $10,633	$357,700 Land $60,000 Building $297,700

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 September 2, 2026

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	Low lower than 95% of the US · lower than 98.6% of South Carolina
Wildfire Likelihood	0.02% 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	BGWC CAROWOOD private · serves 212 people · EPA ID SC4650035
Water Source	Groundwater
Last State Inspection	Sep 2025
Also Mapped Here	YORK COUNTY EAST WD
Lead	Under 1 ppb (2023–2025) action level 15 ppb
Copper	1.64 mg/L (2019) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Comporium Fiber · Cable in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum.

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