Florence County property record for 645 Red Tip Cir, Florence, SC 29505
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,356 sqft · built 1996 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $131,600 (Mar 2019) |
| Tax Bill | $761 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01515-01-050 |
| Primary APN | 01515-01-050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| 1st Floor Area | 1,356 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Street Address | 645 RED TIP CIR |
|---|---|
| City | FLORENCE |
| State | SC |
| Zip | 29505-3937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDEN HILLS PHII LT 50 |
| Legal Subdivision | MAP OF GARDEN HILLS SUBDIVISION |
| Legal Lot Number | 50 |
| Jurisdiction | FLORENCE SC |
| Township / Civil Division | FLORENCE |
| Census Block Group | 5 |
| Census Block | 5016 |
| Census Tract | 1400 |
Source: Florence County records, as of June 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 RED TIP CIR, FLORENCE, SC 29505-3937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2022 | Deed of Trust, Mortgage · VA Mortgage FRANKLIN MORTGAGE SOLUTIONS LLC |
| Aug 21, 2020 | Deed of Trust, Mortgage · VA Mortgage WINTRUST MTG |
| Mar 22, 2019 | Grant Deed, Transfer · VA Mortgage WINTRUST MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 2019 · Amount on File |
| Deed Sale | Mar 22, 2019 · Amount on File |
| Prior Sale | Apr 27, 2016 · Amount on File |
| Deed Book / Page | 788 / 1463 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 645 RED TIP CIR, FLORENCE, SC 29505-3937 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0010210399 |
|---|---|
| Date | Nov 10, 2022 |
| Book Page | 1021/399 |
| Name | FRANKLIN MORTGAGE SOLUTIONS LLC |
|---|---|
| Address | WAYNESVILLE, OH 45068 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 645 RED TIP CIR, FLORENCE, SC 29505-3937 |
| Document Number | 0000014879 |
| Instrument Date | Aug 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2020 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 645 RED TIP CIR FLORENCE SC 295053937, FLORENCE, SC 29505-3937 |
| Document Number | 0000014879 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 000882/001551 |
| Instrument | 14879 |
| Name | WINTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 26, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLORENCE SC |
| Recording Date | Mar 22, 2019 |
| Property Address | 645 RED TIP CIR, FLORENCE, SC 29505-3937 |
| Document Number | 0000003552 |
| Book / Page | 000788 / 001463 |
| Instrument Date | Mar 19, 2019 |
| Instrument | 3552 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $486.92 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 RED TIP CIR FLORENCE SC 295053937, FLORENCE, SC 29505-3937 |
| Document Number | 3553 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 000788/001466 |
| Instrument | 3553 |
| Name | WINTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2049 |
Source: Florence County assessment roll, as of March 5, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Florence County |
| Municipality | Florence City |
| Unified School District | Florence School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $761.00 (+25.16%) | $7,047 (-99.86%) Land $800 Building $6,247 | $176,176 (-98.64%) Land $20,000 Building $156,176 |
| 2023 | $608.00 (+3.23%) Homeowner's exemption | $5,194,861 (+99,897.32%) Land $800,000 Building $4,394,861 | $12,987,153 (+9,899.96%) Land $2,000,000 Building $10,987,153 |
| 2022 | $589.00 Homeowner's exemption | $5,195 Land $800 Building $4,395 | $129,872 Land $20,000 Building $109,872 |
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.
Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 18 (1992–2016) |
| Claims Outside the SFHA | 7 of 18 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Turbidity resolved · Jan 2018 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 410 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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