Horry County property record for 646 Pacific Commons Dr, Myrtle Beach, SC 29575
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,109 sqft · built 2021 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Feb 2026) |
| Tax Bill | $1,585 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 459-10-01-0173 |
| Primary APN | 459-10-01-0173 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,109 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Attached |
| Garage Area | 628 sqft |
| Porch | Slab |
| Porch Area | 417 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 646 PACIFIC COMMONS DR |
|---|---|
| City | MYRTLE BEACH |
| State | SC |
| Zip | 29575-5525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTAGE @ OCEAN COMMONS PH 1; LOT 11 |
| Legal Subdivision | MONTAGE @ OCEAN COMMONS PH 1 |
| Legal Lot Number | 11 |
| Jurisdiction | HORRY SC |
| Township / Civil Division | MYRTLE BEACH |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 51403 |
646 Pacific Commons Dr is owned by two individuals who bought it in February 2026.
Source: Horry County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 474 BOWHALL RD, PAINESVILLE, OH 44077-5223 |
| 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.
| Date | Document |
|---|---|
| Feb 19, 2026 | Warranty Deed, Transfer · Conventional Mortgage ANDERSON BROTHERS BANK |
| May 18, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on File |
| Deed Sale | Feb 19, 2026 · Amount on File |
| Prior Sale | May 18, 2021 · Amount on File |
| Deed Document Number | 202617962 |
| Deed Book / Page | 5047 / 2981 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HORRY SC |
| Recording Date | Feb 19, 2026 |
| Property Address | 646 PACIFIC COMMONS DR, SURFSIDE BEACH, SC 29575-5525 |
| Document Number | 0050472981 |
| Book / Page | 5047 / 2981 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026000017962 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23.68 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 474 BOWHALL RD, PAINESVILLE, OH 44077-5223 |
| Document Number | 0007005722 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 7005/722 |
| Name | ANDERSON BROTHERS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HORRY SC |
| Recording Date | May 18, 2021 |
| Property Address | 646 PACIFIC COMMONS DR, SURFSIDE BEACH, SC 29575-5525 |
| Document Number | 0044210860 |
| Book / Page | 4421 / 860 |
| Instrument Date | May 18, 2021 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 PACIFIC COMMONS DR, SURFSIDE BEACH, SC 29575-5525 |
| Document Number | 63900000000921 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 0000006390/0000000921 |
| Name | BANK OF AMERICA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 646 Pacific Commons Dr was $1,585.
Source: Horry County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Horry County |
| Unified School District | Horry County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,585.00 | ||
| 2024 | $1,585.00 (+9.16%) | $30,255 (+493.58%) Land $7,500 Building $22,755 | $504,250 (+493.58%) Land $125,000 Building $379,250 |
| 2023 | $1,452.00 | $5,097 Land $5,097 | $84,950 Land $84,950 |
| 2021 | $411.00 | $5,097 Land $5,097 | $84,950 Land $84,950 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 646 Pacific Commons Dr in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective September 10, 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 |
| Flood Insurance Cost | Premium on File median of 90 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 127 units insured incl. 37 condo units |
| Nearby Flood Claims | 21 (1996–2026) |
| Claims Outside the SFHA | 21 of 21 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| 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.
Wildfire risk around 646 Pacific Commons Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.4% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GRAND STRAND W&SA/BULL CREEK serves 252,840 people · EPA ID SC2620004 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 437 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| HTC Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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