868 Bay Tree Ln, Clover, SC 29710 Property Records

York County property record for 868 Bay Tree Ln, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,651 sqft · built 2014
Lot Size	1.57 acres (68,388 sqft)
Owner	2 Individual Names on Record
Last Sale	$69,900 (Oct 2012)
Tax Bill	$3,217 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`571-01-01-074`

Property Details

APN / Parcel Number

Primary APN	`571-01-01-074`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,651 sqft Living Area
Gross Area	4,001 sqft
1st Floor Area	2,651 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Brick
Lot Area	68,388 sqft (1.57 acres)
Garage Area	574 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	776 sqft

Location & Zoning

Street Address	868 BAY TREE LN
City	CLOVER
State	SC
Zip	29710-8151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT# 89 PH 2 COVES RIVER OAKS MP F-4
Legal Subdivision	COVES RIVER OAKS
Legal Lot Number	89
Jurisdiction	YORK SC
Township / Civil Division	CLOVER
Census Block Group	1
Census Block	1005
Census Tract	61709

Owner

Source: York County records, as of October 20, 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	868 BAY TREE LN, CLOVER, SC 29710-8151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit NORTHPOINTE BANK
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2012 · Amount on Record
Deed Sale	Oct 16, 2012 · Amount on Record
Deed Document Number	2012190090
Deed Book / Page	12946 / 307
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Recording Date	Oct 8, 2026
Property Address	868 BAY TREE LN, CLOVER, SC 29710-8151
Document Number	0000036040
Book / Page	22856 / 177
Instrument Date	Oct 2, 2026
Instrument	202636040
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036040,
Date	Oct 8, 2026
Book Page	22856/177
Instrument	202636040

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	868 BAY TREE LN, CLOVER, SC 29710-8151
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1899300408
Date	Feb 11, 2021
Book Page	18993/408
Instrument	2021008173

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	868 BAY TREE LN, CLOVER, SC 29710-8151
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1911400432
Date	Mar 25, 2021
Book Page	19114/432
Instrument	2021017005

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	868 BAY TREE LN, CLOVER, SC 29710-8151
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2217300454
Date	Oct 3, 2025
Book Page	22173/454
Instrument	2025033691

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	3333 DEPOSIT DR NE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,217.00 (+8.65%)	$23,501 (+15%) Land $4,390 Building $19,111	$749,400 (+46.68%) Land $140,000 Building $609,400
2023	$2,961.00	$20,436 Land $4,000 Building $16,436	$510,896 Land $100,000 Building $410,896

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 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 94% 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.

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