805 Elmtree Ln, Seneca, SC 29672 Property Records

Oconee County property record for 805 Elmtree Ln, Seneca, SC 29672

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,390 sqft · built 2006
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$941,000 (Aug 2023)
Tax Bill	$12,881 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`165-04-01-084`

Property Details

APN / Parcel Number

Primary APN	`165-04-01-084`
Alternative APN	`17531`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,390 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Fiber Cement Siding
Roof Material	Shingle
Lot Area	40,511 sqft (0.93 acres)
Lot Width	40 ft Width
Garage Type	Attached
Garage Area	568 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17531
Old Parcel Number	165 04 01 084
Street Address	805 ELMTREE LN
City	SENECA
State	SC
Zip	29672-0779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 179 PHASE II WATERFORD PT (.93 AC)
Legal Subdivision	WATERFORD POINTE PH 02
Legal Phase	2
Legal Block	1
Legal Lot Number	179
Jurisdiction	OCONEE SC
Township / Civil Division	SENECA
Census Block Group	3
Census Block	3006
Census Tract	30602

Owner

805 Elmtree Ln is owned by an individual who bought it in August 2023.

Source: Oconee County records, as of November 14, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	155 HOUNDS CHASE DR, HENDERSONVILLE, NC 28791-3857
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
Aug 7, 2023	Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 12, 2023	Deed of Trust, Mortgage · Line of Credit SPERO FINANCIAL FCU
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage BLMC INC
Jul 10, 2018	Warranty Deed, Transfer · Line of Credit SC TELCO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2023 · Amount on File
Deed Sale	Aug 7, 2023 · Amount on File
Prior Sale	Jul 10, 2018 · Amount on File
Deed Document Number	0000001502
Deed Book / Page	2970 / 37
Record Updated	Jun 8, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OCONEE SC
Recording Date	Aug 7, 2023
Property Address	805 ELMTREE LN, SENECA, SC 29672-0779
Document Number	0000001502
Book / Page	2970 / 37
Map Reference	MB 2377 PG 97
Instrument Date	Aug 2, 2023
Instrument	1502
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,446.60
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000001538
Date	Aug 7, 2023
Book Page	4476/27
Instrument	1538

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	5-Year CMT
Max Rate	11.8%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	805 ELMTREE LN, SENECA, SC 29672-0779
Transaction Type	Mortgage
Record Updated	Feb 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009181
Date	Jan 12, 2023
Book Page	4415/202
Instrument	9181

Lender

Name	SPERO FINANCIAL FCU
Type	Credit Union
Address	GREENVILLE, SC 29601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	805 ELMTREE LN, SENECA, SC 29672-0779
Transaction Type	Mortgage
Record Updated	Jan 7, 2022
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010369
Date	Dec 29, 2021
Book Page	4268/137
Instrument	10369

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE SC
Property Address	805 ELMTREE LN, SENECA, SC 29672-0779
Document Number	0038840019
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 ELMTREE LN SENECA SC 296720779, SENECA, SC 29672-0779

Mortgage

Document Number	0038840019
Date	Oct 15, 2019
Book Page	003884/000019

Lender

Name	BLMC INC
Address	GREENVILLE, SC 29601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCONEE SC
Recording Date	Jul 10, 2018
Property Address	805 ELMTREE LN, SENECA, SC 29672-0779
Document Number	0023770097
Book / Page	002377 / 000097
Instrument Date	Jun 28, 2018
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,312.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	805 ELMTREE LN SENECA SC 296720779, SENECA, SC 29672-0779

Mortgage

Document Number	37400051
Date	Jul 10, 2018
Book Page	003740/000051

Lender

Name	SC TELCO FCU
Address	GREENVILLE, SC 29601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	37400033,
Date	Jul 10, 2018
Book Page	003740/000033

Lender

Name	BLMC INC
Address	15 WHITSETT ST, GREENVILLE, SC 29601-3136

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 805 Elmtree Ln was $12,881.

Source: Oconee County assessment roll, as of September 13, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,881.00	$36,950 Land $2,050 Building $34,900	$923,750 Land $51,240 Building $872,510
2023		$26,070 (-) Land $1,711 Building $24,359	$651,754 (-) Land $42,780 Building $608,974
2022		$26,070 Land $1,711 Building $24,359	$651,754 Land $42,780 Building $608,974

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 805 Elmtree Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 805 Elmtree Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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