780 Bay Tree Ln, Clover, SC 29710 Property Records

York County property record for 780 Bay Tree Ln, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,264 sqft · built 2015
Lot Size	3.06 acres (133,643 sqft)
Owner	Individual Name on File
Last Sale	$99,900 (May 2014)
Tax Bill	$4,598 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`571-01-01-104`

Property Details

APN / Parcel Number

Primary APN	`571-01-01-104`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,264 sqft Living Area
Gross Area	6,016 sqft
1st Floor Area	3,336 sqft
2nd Floor Area	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Lot Area	133,643 sqft (3.06 acres)
Garage Area	2,022 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	608 sqft
Porch	Slab
Porch Area	808 sqft
Patio Area	126 sqft

Location & Zoning

Street Address	780 BAY TREE LN
City	CLOVER
State	SC
Zip	29710-0463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT# 81 PH 3 MP F-7 COVES ON RIVER OAKS/BAY TREE LANE
Legal Subdivision	THE COVES ON RIVERS OAKS
Legal Lot Number	81
Jurisdiction	YORK SC
Township / Civil Division	CLOVER
Census Block Group	1
Census Block	1005
Census Tract	61709

Owner

780 Bay Tree Ln is owned and occupied by an individual who bought it in May 2014.

Source: York County records, as of May 5, 2026

Owner of Record	Individual Name on File
Mailing Address	780 BAY TREE LN, CLOVER, SC 29710-0463
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Feb 26, 2026	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Jun 21, 2018	Deed of Trust, Mortgage · Line of Credit FAMILY TRUST FCU
Jun 24, 2019	Deed of Trust, Mortgage · ARM SOUTH STATE BANK
Jul 12, 2019	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2014 · Amount on File
Deed Sale	May 28, 2014 · Amount on File
Deed Document Number	2014258041
Deed Book / Page	14145 / 130
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	780 BAY TREE LN, CLOVER, SC 29710-0463
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1919400068
Date	Apr 21, 2021
Book Page	19194/68
Instrument	2021022917

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	780 BAY TREE LN, CLOVER, SC 29710-0463
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	780 BAY TREE LN, LAKE WYLIE, SC 29710-0463

Mortgage

Document Number	1940200054
Date	Jul 2, 2021
Book Page	19402/54
Instrument	2021038198

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	ROCK HILL, SC 29732

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jun 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	780 BAY TREE LN, CLOVER, SC 29710-0463
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2242900090
Date	Feb 26, 2026
Book Page	22429/90
Instrument	2026006551

Lender

Name	TOWNEBANK
Type	Bank
Address	6013 HARBOUR VIEW BLVD, SUFFOLK, VA 23435

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	780 BAY TREE LN, LAKE WYLIE, SC 29710-0463
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1704000063
Date	Jun 21, 2018
Book Page	17040/063
Instrument	2018026266

Lender

Name	FAMILY TRUST FCU
Type	Credit Union
Address	ROCK HILL, SC 29730

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	780 BAY TREE LN, LAKE WYLIE, SC 29710-0463
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1761400110
Date	Jun 24, 2019
Book Page	17614/110
Instrument	2019025100

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	780 BAY TREE LN, LAKE WYLIE, SC 29710-0463
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1764900441
Date	Jul 12, 2019
Book Page	17649/441
Instrument	2019028020

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	COLUMBIA, SC 29202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 20, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 780 Bay Tree Ln was $4,598.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	York County
Unified School District	York School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,598.00	$33,591 Land $4,050 Building $29,541	$1,161,100 Land $140,000 Building $1,021,100
2023	$4,232.00	$29,209 Land $3,551 Building $25,658	$822,520 Land $100,000 Building $722,520

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

FEMA maps place 780 Bay Tree Ln in Zone X, an area of minimal flood risk.

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 8 (10% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 780 Bay Tree Ln is low, with a 0.03% annual chance of 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	YORK COUNTY WEST WD private · serves 18,273 people · EPA ID SC4620003
Water Source	Purchased surface water from CITY OF ROCK HILL
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 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 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Comporium.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Tree Ln

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