820 Gaines St, Central, SC 29630 Property Records

Pickens County property record for 820 Gaines St, Central, SC 29630

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,248 sqft · built 1915
Lot Size	0.55 acres (23,936 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,500 (Nov 2025)
Tax Bill	$288 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4065-08-78-9012`

Property Details

APN / Parcel Number

Primary APN	`4065-08-78-9012`
Alternative APN	`R0048829`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Basement Area	1,180 sqft
Unfinished Basement	1,180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,936 sqft (0.55 acres)
Porch	Patio
Porch Area	642 sqft
Storage Building	400 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R0048829
Street Address	820 GAINES ST
City	CENTRAL
State	SC
Zip	29630-9260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R 12 SINGL
Legal Description	SE/SIDE GAINES ST
Jurisdiction	PICKENS SC
Township / Civil Division	CENTRAL
Census Block Group	2
Census Block	2039
Census Tract	11101

Owner

Source: Pickens County records, as of February 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	820 GAINES ST, CENTRAL, SC 29630-9260
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Jul 18, 2025 · Amount on Record
Deed Document Number	202517536
Deed Book / Page	2889 / 263
Prior Transfer Date	Jan 13, 2025
Prior Transfer Doc	0000000980
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PICKENS SC
Recording Date	Nov 24, 2025
Property Address	820 GAINES ST, CENTRAL, SC 29630-9260
Document Number	0000017536
Book / Page	2889 / 263
Map Reference	MB 27 PG 998
Instrument Date	Nov 24, 2025
Instrument	202517536
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.70
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
Address	820 GAINES ST, CENTRAL, SC 29630-9260

Mortgage

Document Number	0000017537
Date	Nov 24, 2025
Instrument	202517537

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Tax Assessment & Valuation

Source: Pickens County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Pickens County
Municipality	Central Town
Unified School District	Pickens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$288.00 (+12.94%)	$2,870 (+14.8%) Land $690 Building $2,180	$102,000 (+63.2%) Land $24,500 Building $77,500
2024	$255.00 (+8.51%)	$2,500 (-) Land $600 Building $1,900	$62,500 (-) Land $15,000 Building $47,500
2023	$235.00	$2,500 (-) Land $600 Building $1,900	$62,500 (-) Land $15,000 Building $47,500
2022		$2,500 Land $600 Building $1,900	$62,500 Land $15,000 Building $47,500

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 December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62% of the US · lower than 86% of South Carolina
Wildfire Likelihood	0.07% 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	TOWN OF CENTRAL serves 3,495 people · EPA ID SC3910005
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
Lead	5 ppb (2024) 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, West Carolina Rural Telephone Cooperative.

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