899 Bay Tree Ln, Clover, SC 29710 Property Records

York County property record for 899 Bay Tree Ln, Clover, SC 29710

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,632 sqft · built 2015
Lot Size	3.03 acres (132,151 sqft)
Owner	2 Individual Names on File
Last Sale	$124,900 (Aug 2013)
Tax Bill	$3,896 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`571-01-01-078`

Property Details

APN / Parcel Number

Primary APN	`571-01-01-078`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	3,632 sqft Living Area
Gross Area	4,838 sqft
1st Floor Area	2,888 sqft
2nd Floor Area	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Lot Area	132,151 sqft (3.03 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	582 sqft

Location & Zoning

Street Address	899 BAY TREE LN
City	CLOVER
State	SC
Zip	29710-8151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT# 93 PH 2 COVES RIVER OAKS MP F-4
Legal Subdivision	COVES RIVER OAKS
Legal Lot Number	93
Jurisdiction	YORK SC
Township / Civil Division	CLOVER
Census Block Group	1
Census Block	1005
Census Tract	61709

Owner

899 Bay Tree Ln is owned and occupied by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	899 BAY TREE LN, CLOVER, SC 29710-8151
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
Sep 5, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 24, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2013 · Amount on File
Deed Sale	Aug 16, 2013 · Amount on File
Deed Document Number	2013228713
Deed Book / Page	13639 / 276
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	899 BAY TREE LN, CLOVER, SC 29710-8151
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	899 BAY TREE LN, CLOVER, SC 29710-8151

Mortgage

Document Number	2093600381
Date	Sep 5, 2023
Book Page	20936/381
Instrument	2023027942

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Aug 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	899 BAY TREE LN, CLOVER, SC 29710-8151
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1836700426
Date	Jun 24, 2020
Book Page	18367/426
Instrument	2020027413

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK SC
Property Address	899 BAY TREE LN, CLOVER, SC 29710-8151
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1836700445
Date	Jun 24, 2020
Book Page	18367/445
Instrument	2020027414

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 19, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 899 Bay Tree Ln was $3,896.

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	$3,896.00	$28,460 Land $5,329 Building $23,131	$934,600 Land $175,000 Building $759,600
2023	$3,585.00	$24,746 Land $4,000 Building $20,746	$618,655 Land $100,000 Building $518,655

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 899 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 899 Bay Tree Ln is low, with a 0.04% 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	0.04% 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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