605 Gaines St, Central, SC 29630 Property Records

Pickens County property record for 605 Gaines St, Central, SC 29630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 1865
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Jun 2019)
Tax Bill	$634 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4065-11-67-4403`

Property Details

APN / Parcel Number

Primary APN	`4065-11-67-4403`
Alternative APN	`R0040268`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,761 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	315 sqft
Deck Area	105 sqft
Storage Building	1 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	R0040268
Street Address	605 GAINES ST
City	CENTRAL
State	SC
Zip	29630-9267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R 12 SINGL
Legal Description	GEORGIA ST GAINES ST PLAT 71/196A
Jurisdiction	PICKENS SC
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2041
Census Tract	11101

Owner

605 Gaines St is owned and occupied by two individuals who bought it in June 2019.

Source: Pickens County records, as of March 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	605 GAINES ST, CENTRAL, SC 29630-9267
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	Deed of Trust, Mortgage · Conventional Mortgage CALCON MUTUAL MORTGAGE LLC
Feb 24, 2020	Deed of Trust, Mortgage · FHA Mortgage ONETRUST HM LOANS
Jun 19, 2019	Grant Deed, Transfer · FHA Mortgage ONETRUST HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Jun 19, 2007 · Amount on File
Deed Document Number	20198987
Deed Book / Page	2068 / 345
Prior Transfer Date	Jan 3, 2013
Prior Transfer Doc	0000000393
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS SC
Property Address	605 GAINES ST, CENTRAL, SC 29630-9267
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	COOPERATIVE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002912
Date	Feb 16, 2021
Book Page	5834/332
Instrument	202102912

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS SC
Property Address	605 GAINES ST, CENTRAL, SC 29630-9267
Document Number	0000003679
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	605 GAINES ST CENTRAL SC 296309267, CENTRAL, SC 29630-9267

Mortgage

Document Number	0000003679
Date	Mar 12, 2020
Book Page	005622/000215
Instrument	3679

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	CARLSBAD, CA 92018

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PICKENS SC
Recording Date	Jun 19, 2019
Property Address	605 GAINES ST, CENTRAL, SC 29630-9267
Document Number	0000008987
Book / Page	002068 / 000345
Instrument Date	Jun 4, 2019
Instrument	8987
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$591.63
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	605 GAINES ST CENTRAL SC 296309267, CENTRAL, SC 29630-9267

Mortgage

Document Number	8988
Date	Jun 19, 2019
Book Page	005499/000073
Instrument	8988

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 605 Gaines St was $634, up 15.3% from the year before.

Source: Pickens County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Pickens County
Municipality	Central Town
Unified School District	Pickens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$634.00 (+15.27%)	$7,350 (+15.02%) Land $830 Building $6,520	$260,500 (+63.02%) Land $29,300 Building $231,200
2024	$550.00 (+8.48%)	$6,390 (-) Land $720 Building $5,670	$159,800 (-) Land $18,000 Building $141,800
2023	$507.00 (-2.5%)	$6,390 (-) Land $720 Building $5,670	$159,800 (-) Land $18,000 Building $141,800
2022	$520.00	$6,390 Land $720 Building $5,670	$159,800 Land $18,000 Building $141,800

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 605 Gaines St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

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

Wildfire risk around 605 Gaines 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 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF CENTRAL serves 3,495 people · EPA ID SC3910005
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: West Carolina Rural Telephone Cooperative.

Cell Coverage

5G (outdoors only) and 4G LTE

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