654 Pacific Commons Dr, Surfside Beach (Myrtle Beach), SC 29575 Property Records

Horry County property record for 654 Pacific Commons Dr, Surfside Beach, SC 29575

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,061 sqft · built 2021
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$389,940 (Jun 2021)
Tax Bill	$585 (2021)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459-10-01-0171`

Property Details

APN / Parcel Number

Primary APN	`459-10-01-0171`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,061 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	656 sqft
Pool Area	312 sqft
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	654 PACIFIC COMMONS DR
City	SURFSIDE BEACH
State	SC
Zip	29575-5525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTAGE @ OCEAN COMMONS PH 1; LOT 9
Legal Subdivision	MONTAGE @ OCEAN COMMONS PH 1
Legal Lot Number	9
Jurisdiction	HORRY SC
Township / Civil Division	MYRTLE BEACH
Census Block Group	2
Census Block	2005
Census Tract	51403

Owner

Source: Horry County records · APN 459-10-01-0171

Assessment roll updated February 6, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	654 PACIFIC COMMONS DR, MYRTLE BEACH, SC 29575-5525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2021 · Amount on Record
Deed Sale	Jun 22, 2021 · Amount on Record
Deed Book / Page	4434 / 680
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HORRY SC
Recording Date	Jun 22, 2021
Property Address	654 PACIFIC COMMONS DR, SURFSIDE BEACH, SC 29575-5525
Document Number	0044340680
Book / Page	4434 / 680
Instrument Date	Jun 22, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 PACIFIC COMMONS DR, SURFSIDE BEACH, SC 29575-5525

Mortgage

Document Number	64070000002703
Date	Jun 22, 2021
Book Page	0000006407/0000002703

Lender

Name	MEMBERS HERITAGE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Horry County records · Assessment roll updated February 6, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Horry County
Unified School District	Horry County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024			$592,452 (+1,234.05%) Land $125,000 Building $467,452
2023		$2,665 (-) Land $2,665	$44,410 (-) Land $44,410
2021	$585.00	$2,665 Land $2,665	$44,410 Land $44,410

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Severe Storms And Flooding, Oct 2015 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims Severe Winds And Flooding Assoc With Hurricane Fran, Oct 1996 · 2 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Horry Telephone Cooperative Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 437 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GRAND STRAND W&SA/BULL CREEK serves 252,840 people
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.