656 Clouds Way, Rock Hill, SC 29732 Property Records

York County property record for 656 Clouds Way, Rock Hill, SC 29732

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,853 sqft · built 2006
Lot Size	0.179 acres (7,799 sqft)
Owner	Individual Name on Record
Last Sale	$496,000 (Mar 2022)
Tax Bill	$4,309 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`594-09-06-037`

Property Details

APN / Parcel Number

Primary APN	`594-09-06-037`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,853 sqft Living Area
Gross Area	5,514 sqft
1st Floor Area	1,689 sqft
2nd Floor Area	1,164 sqft
Basement Area	1,689 sqft
Unfinished Basement	1,689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	7,799 sqft (0.179 acres)
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	277 sqft
Deck Area	91 sqft
Patio Area	75 sqft

Location & Zoning

Street Address	656 CLOUDS WAY
City	ROCK HILL
State	SC
Zip	29732-3290
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCI
Legal Description	LOT 73 PHSE 4 MILLWOOD PLANTAT
Legal Subdivision	MILLWD
Legal Lot Number	73
Jurisdiction	YORK SC
Township / Civil Division	ROCK HILL
Census Block Group	4
Census Block	4005
Census Tract	60700

Owner

Source: York County records, as of May 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 Record
Mailing Address	656 CLOUDS WAY, ROCK HILL, SC 29732-3290
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed, Transfer · VA Mortgage PREMIER LENDING INC
Apr 17, 2020	Quit Claim Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on Record
Deed Sale	Mar 7, 2022 · Amount on Record
Prior Sale	Apr 9, 2014 · Amount on Record
Deed Document Number	202210997
Deed Book / Page	20030 / 136
Prior Transfer Date	Apr 9, 2020
Prior Transfer Doc	1820600066
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	YORK SC
Recording Date	Mar 7, 2022
Property Address	656 CLOUDS WAY, ROCK HILL, SC 29732-3290
Document Number	2003000136
Book / Page	20030 / 136
Map Reference	MB 146 PG 174
Instrument Date	Mar 7, 2022
Instrument	2022010997
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,289.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 CLOUDS WAY, ROCK HILL, SC 29732-3290

Mortgage

Document Number	2022010998
Date	Mar 7, 2022
Instrument	2022010998

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	YORK SC
Recording Date	Apr 17, 2020
Property Address	656 CLOUDS WAY, ROCK HILL, SC 29732-3290
Document Number	1820600066
Book / Page	018206 / 000066
Instrument Date	Apr 9, 2020
Instrument	16171
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 CLOUDS WAY ROCK HILL SC 297323290, ROCK HILL, SC 29732-3290

Mortgage

Document Number	1820600069
Date	Apr 17, 2020
Book Page	018206/000069
Instrument	16172

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2050

Tax Assessment & Valuation

Source: York County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Municipality	Rock Hill City
Unified School District	York School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,309.00 (+5.28%)	$20,052 (+7.78%) Land $2,200 Building $17,852	$501,300 (+7.77%) Land $55,000 Building $446,300
2023	$4,093.00	$18,605 Land $2,000 Building $16,605	$465,137 Land $50,000 Building $415,137

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

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 7 (15% premium discount)
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.03% 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	CITY OF ROCK HILL serves 89,850 people · EPA ID SC4610002
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) 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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber · Cable in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Clouds Way

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