538 Owens Rd, Clover, SC 29710 Property Records

York County property record for 538 Owens Rd, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	2,432 sqft · built 2019
Lot Size	2.98 acres (129,809 sqft)
Owner	Individual Name on File
Tax Bill	$1,181 (2025)
Deeds & Mortgages	Mar 2019 Loan Modification Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`254-00-00-023`

Property Details

APN / Parcel Number

Primary APN	`254-00-00-023`

Interior

Stories	1 Story
Building Area	2,432 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	129,809 sqft (2.98 acres)

Location & Zoning

Street Address	538 OWENS RD
City	CLOVER
State	SC
Zip	29710-7732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUD
Legal Description	OFF OWENS RD (2.98 ACRES)
Legal Subdivision	ACRES
Jurisdiction	YORK SC
Township / Civil Division	YORK
Census Block Group	1
Census Block	1017
Census Tract	61503

Owner

538 Owens Rd is owned and occupied by an individual.

Source: York County records, as of May 28, 2026

Owner of Record	Individual Name on File
Mailing Address	538 OWENS RD, CLOVER, SC 29710-7732
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
Mar 12, 2019	Loan Modification, Mortgage · FHA Mortgage VANDERBILT MTG & FIN
Oct 15, 2018	Quit Claim Deed, Mortgage VANDERBILT MTG & FIN

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	YORK SC
Property Address	538 OWENS RD, CLOVER, SC 29710-7732
Document Number	1753300067
Instrument Date	Mar 12, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 OWENS RD CLOVER SC 29710, CLOVER, SC 29710

Mortgage

Document Number	1753300067
Date	May 8, 2019
Book Page	017533/000067
Instrument	17746

Lender

Name	VANDERBILT MTG & FIN
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2049

Interest

Rate	5.25%

October 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	YORK SC
Recording Date	Oct 15, 2018
Property Address	538 OWENS RD, CLOVER, SC 29710-7732
Document Number	1723000197
Book / Page	017230 / 000197
Instrument Date	Oct 3, 2018
Instrument	44485
Transaction Type	Mortgage
Record Updated	Nov 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	214 HUFFMAN ST #APT15 LOWELL NC 280981931, LOWELL, NC 28098-1931

Mortgage

Document Number	1723000200
Date	Oct 15, 2018
Book Page	017230/000200
Instrument	44486

Lender

Name	VANDERBILT MTG & FIN
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 538 Owens Rd was $1,181.

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	$1,181.00	$6,844 Land $1,800 Building $5,044	$171,100 Land $45,000 Building $126,100
2023	$1,020.00	$5,964 Land $920 Building $5,044	$154,100 Land $28,000 Building $126,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 538 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 538 Owens Rd is moderate, ranking above 40% of the US, with a 0.05% 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	0.05% annual chance
Exposure	Direct burnable vegetation

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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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