Cherokee County property record for 712 Holmes St, Gaffney, SC 29341
| Property Type | Single Family Home |
|---|---|
| Details | 900 sqft |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Jan 2021) |
| Tax Bill | $515 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 002655-23-3 |
| Primary APN | 002655-23-3 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 900 sqft Living Area |
| Exterior Material | Shingles |
|---|---|
| Lot Area | 10,890 sqft (0.25 acres) |
| Porch | Porch |
| Old Parcel Number | 0811400126000 60394189 |
|---|---|
| Street Address | 712 HOLMES ST |
| City | GAFFNEY |
| State | SC |
| Zip | 29341-1725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GF |
| Legal Description | 712 HOLMES ST LT#57-59 FM PAMELA DUNCAN $75000/ |
| Legal Subdivision | L MARION WOOD RLS |
| Legal Lot Number | 57-59 |
| Jurisdiction | CHEROKEE SC |
| Township / Civil Division | GAFFNEY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 970201 |
712 Holmes St is owned and occupied by an individual who acquired it in January 2021.
Source: Cherokee County records, as of November 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 712 HOLMES ST, GAFFNEY, SC 29341-1725 |
| 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.
| Date | Document |
|---|---|
| Jan 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage NP INC |
| Jan 29, 2021 | Grant Deed, Transfer · FHA Mortgage NP INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on File |
| Deed Sale | Jan 28, 2021 · Amount on File |
| Prior Sale | Apr 25, 2007 |
| Deed Document Number | 0001302136 |
| Deed Book / Page | 130 / 2136 |
| Last Transfer Date | Jan 29, 2021 |
| Transfer Doc | 0001302136 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Property Address | 712 HOLMES ST # 57-59, 57-59, GAFFNEY, SC 29341-1725 |
| Document Number | 0001302139 |
| Instrument Date | Jan 28, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 712 HOLMES ST GAFFNEY SC 293411725, GAFFNEY, SC 29341-1725 |
| Document Number | 0001302139 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 000130/002139 |
| Instrument | 515 |
| Name | NP INC |
|---|---|
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHEROKEE SC |
| Recording Date | Jan 29, 2021 |
| Property Address | 712 HOLMES ST # 57-59, 57-59, GAFFNEY, SC 29341-1725 |
| Document Number | 0001302136 |
| Book / Page | 000130 / 002136 |
| Instrument Date | Jan 28, 2021 |
| Instrument | 514 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $278.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 712 HOLMES ST GAFFNEY SC 293411725, GAFFNEY, SC 29341-1725 |
| Document Number | 1302139 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 000130/002139 |
| Instrument | 515 |
| Name | NP INC |
|---|---|
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2051 |
The 2025 property tax bill for 712 Holmes St was $515 with a homeowner's exemption.
Source: Cherokee County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Cherokee County |
| Municipality | Gaffney City |
| Unified School District | Cherokee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $515.00 Homeowner's exemption | $2,800 Land $320 Building $2,480 | $69,900 Land $8,000 Building $61,900 |
| 2023 | $464.00 | $2,800 Land $320 Building $2,480 | $69,900 Land $8,000 Building $61,900 |
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.
FEMA maps place 712 Holmes St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Most Recent Claim | Dec 2015 · rainfall accumulation |
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 712 Holmes St is low, with less than 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 99.1% of the US · lower than 99.7% of South Carolina |
|---|---|
| Wildfire Likelihood | Under 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 | GAFFNEY BPW serves 24,290 people · EPA ID SC1110001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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