811 Spruce St, Georgetown, SC 29440 Property Records

Georgetown County property record for 811 Spruce St, Georgetown, SC 29440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,833 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Jan 2026)
Tax Bill	$1,184 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0500520008.03.00`

Property Details

APN / Parcel Number

Primary APN	`0500520008.03.00`
Alternative APNs	`05-0052-008-03-00` `33103`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,833 sqft Living Area
Gross Area	1,933 sqft
1st Floor Area	1,833 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	500 sqft

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Patio Area	192 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	33103
Street Address	811 SPRUCE ST
City	GEORGETOWN
State	SC
Zip	29440-4321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ISLAND RD
Legal Subdivision	MRVL
Jurisdiction	GEORGETOWN SC
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1034
Census Tract	920701

Owner

Source: Georgetown County records, as of June 17, 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 Record
Mailing Address	811 SPRUCE ST, GEORGETOWN, SC 29440-4321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jan 6, 2026	Deed, Transfer · Closed-End Mortgage THE CONWAY NATIONAL BANK
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit SOUTH ATLANTIC BANK
Aug 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOUTH CAROLINA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2026 · Amount on Record
Deed Sale	Jan 6, 2026 · Amount on Record
Prior Sale	Jun 4, 2009 · Amount on Record
Deed Document Number	202670
Deed Book / Page	4943 / 378
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN SC
Recording Date	Jun 11, 2026
Property Address	811 SPRUCE ST, GEORGETOWN, SC 29440-4321
Document Number	0000006382
Book / Page	5025 / 36
Instrument Date	Jun 5, 2026
Instrument	20266382
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 SPRUCE ST, GEORGETOWN, SC 29440-4321

Mortgage

Document Number	0000006382,
Date	Jun 11, 2026
Book Page	5025/36
Instrument	20266382

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GEORGETOWN SC
Recording Date	Jan 6, 2026
Property Address	811 SPRUCE ST, GEORGETOWN, SC 29440-4321
Document Number	RB4943/0378
Book / Page	RB4943 / 378
Map Reference	MB 14 PG 398
Instrument Date	Dec 29, 2025
Instrument	2026000070
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
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	811 UPVENCE LN, GEORGETOWN, SC 29440

Mortgage

Document Number	0RB4943382
Date	Jan 6, 2026
Instrument	RB4943/382

Lender

Name	THE CONWAY NATIONAL BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Dec 30, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN SC
Property Address	811 SPRUCE ST, GEORGETOWN, SC 29440-4321
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03157/0001
Date	Nov 13, 2017
Book Page	3157/001
Instrument	201700011513

Lender

Name	SOUTH ATLANTIC BANK
Type	Bank
Address	MYRTLE BEACH, SC 29572

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 8, 2032

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN SC
Property Address	811 SPRUCE ST, GEORGETOWN, SC 29440-4321
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03337/0082
Date	Aug 21, 2018
Book Page	3337/082
Instrument	201800007951

Lender

Name	SOUTH CAROLINA FCU
Type	Credit Union
Address	NORTH CHARLESTON, SC 29419

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Georgetown County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Georgetown County
Municipality	Georgetown City
Unified School District	Georgetown County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,184.00 (-9.2%)	$5,020 (+14.98%) Land $445 Building $4,575	$225,500 (+62.82%) Land $20,000 Building $205,500
2023	$1,304.00 (+37.26%)	$4,366 (-) Land $489 Building $3,877	$138,500 (-) Land $15,500 Building $123,000
2022	$950.00	$4,366 Land $489 Building $3,877	$138,500 Land $15,500 Building $123,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2025 · 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
Flood Insurance Cost	Premium on Record median of 64 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	132 units insured incl. 68 condo units
Nearby Flood Claims	8 (1996–2023)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Dec 2023 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Oct 2015 · 3 claims

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	Moderate above 66% of the US · above 87% of South Carolina
Wildfire Likelihood	0.2% 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 GEORGETOWN serves 9,092 people · EPA ID SC2210001
Water Source	Surface water
Last State Inspection	May 2025
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
HTC Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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