509 E Montgomery St, Gaffney, SC 29340 Property Records

Cherokee County property record for 509 E Montgomery St, Gaffney, SC 29340

Property Summary

Property Type	Single Family Home
Details	1,341 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (Nov 2023)
Tax Bill	$1,132 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022816-23-3`

Property Details

APN / Parcel Number

Primary APN	`022816-23-3`
Alternative APNs	`1000100113000 61370989` `100-01-00-113.000` `022945223`

Interior

Stories	1 Story
Building Area	1,341 sqft Living Area

Exterior

Year Built	Built 1940
Exterior Material	Siding
Lot Area	8,712 sqft (0.2 acres)
Porch	Porch

Location & Zoning

Old Parcel Number	1000100113000 61370989
Street Address	509 E MONTGOMERY ST
City	GAFFNEY
State	SC
Zip	29340-3819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GF
Legal Description	E MONTGOMERY ST LT#43,44 DB 166 714 LTS 43,44 PB 2J 94
Legal Subdivision	E MONTGOMERY ST
Legal Lot Number	43,44
Jurisdiction	CHEROKEE SC
Township / Civil Division	GAFFNEY
Census Block Group	1
Census Block	1084
Census Tract	970201

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	509 E MONTGOMERY ST, GAFFNEY, SC 29340-3819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Deed Document Number	202300006213
Deed Book / Page	166 / 714
Record Updated	Jun 8, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEROKEE SC
Recording Date	Nov 1, 2023
Property Address	509 E MONTGOMERY ST # 43, 43, GAFFNEY, SC 29340-3819
Document Number	0001660714
Book / Page	166 / 714
Map Reference	MB 2-J PG 94
Instrument Date	Oct 27, 2023
Instrument	202300006213
Transaction Type	Transfer
Record Updated	Nov 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E MONTGOMERY ST, GAFFNEY, SC 29340-3819

Mortgage

Document Number	202300006214
Date	Nov 1, 2023
Instrument	202300006214

Lender

Name	FIRST PIEDMONT FSLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,132.00 (-41.32%)	$6,160 (+26.49%) Land $800 Building $5,360	$153,900 (+82.13%) Land $20,000 Building $133,900
2023	$1,929.00	$4,870 Land $480 Building $4,390	$84,500 Land $8,000 Building $76,500

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 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
Nearby Flood Claims	1 (2015)
Most Recent Claim	Dec 2015 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	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	GAFFNEY BPW serves 24,290 people · EPA ID SC1110001
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20