Cherokee County property record for 522 Stephenson St, Gaffney, SC 29340
| Property Type | Single Family Home |
|---|---|
| Details | 1,178 sqft · built 1986 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $59,000 (Jul 2009) |
| Tax Bill | $437 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003367-23-3 |
| Primary APN | 003367-23-3 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,178 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Street Address | 522 STEPHENSON ST |
|---|---|
| City | GAFFNEY |
| State | SC |
| Zip | 29340-4010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 522 STEPHENSON ST FM STONE $76000 FM HOMESALES $59000 |
| Legal Subdivision | PLAT PREPARED FOR OPAL B SPENCER |
| Jurisdiction | CHEROKEE SC |
| Township / Civil Division | GAFFNEY |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970501 |
522 Stephenson St is owned and occupied by an individual who bought it in July 2009.
Source: Cherokee County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 STEPHENSON ST, GAFFNEY, SC 29340-4010 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2009 · Amount on File |
| Deed Sale | Jul 16, 2009 · Amount on File |
| Deed Book / Page | 29 / 334 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Apr 10, 2026 |
| Property Address | 522 STEPHENSON ST, GAFFNEY, SC 29340-4010 |
| Document Number | 0000001908 |
| Book / Page | 196 / 2509 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20261908 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 522 STEPHENSON ST, GAFFNEY, SC 29340-4010 |
| Investor | Possibly a Property Investor |
| Document Number | 0001962509, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 196/2509 |
| Instrument | 20261908 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 522 Stephenson St was $437 with a homeowner's exemption.
Source: Cherokee County assessment roll, as of November 20, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $437.00 Homeowner's exemption | $3,300 Land $320 Building $2,980 | $82,500 Land $8,000 Building $74,500 |
| 2023 | $370.00 | $3,300 Land $320 Building $2,980 | $82,500 Land $8,000 Building $74,500 |
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.
FEMA maps place 522 Stephenson St 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 risk around 522 Stephenson St is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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