945 Cowpens Cir, Florence, SC 29501 Property Records

Florence County property record for 945 Cowpens Cir, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,104 sqft · built 1985
Lot Size	0.38 acres (16,502 sqft)
Owner	Individual Name on File
Last Sale	$163,000 (Aug 2023)
Tax Bill	$535 (2025)
Deeds & Mortgages	May 2025 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00513-01-034`

Property Details

APN / Parcel Number

Primary APN	`00513-01-034`
Alternative APN	`15036940`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	16,502 sqft (0.38 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	945 COWPENS CIR
City	FLORENCE
State	SC
Zip	29501-8422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HERITAGE LOT 34
Legal Subdivision	HERITAGE SUBDIVISION
Legal Lot Number	34
Jurisdiction	FLORENCE SC
Township / Civil Division	DANWOOD
Census Block Group	1
Census Block	1003
Census Tract	1503

Owner

945 Cowpens Cir is owned and occupied by an individual who bought it in August 2023.

Source: Florence County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	945 COWPENS CIR, FLORENCE, SC 29501-8422
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
May 28, 2025	Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MORTGAGE
Aug 16, 2023	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Feb 22, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Feb 22, 2021 · Amount on File
Deed Document Number	202310444
Deed Book / Page	1063 / 88
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	945 COWPENS CIR, FLORENCE, SC 29501-8422
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 COWPENS CIR, FLORENCE, SC 29501-8422

Mortgage

Document Number	DMA11590268
Date	May 28, 2025
Book Page	DMA1159/268
Instrument	2025006913

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	8024 CALVIN HALL RD, INDIAN LAND, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Aug 16, 2023
Property Address	945 COWPENS CIR, FLORENCE, SC 29501-8422
Document Number	0010630088
Book / Page	1063 / 88
Map Reference	MB 19 PG 902
Instrument Date	Aug 16, 2023
Instrument	2023-00010444
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 COWPENS CIR, FLORENCE, SC 29501-8422

Mortgage

Document Number	0000106393
Date	Aug 16, 2023
Instrument	1063/93

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Feb 22, 2021
Property Address	945 COWPENS CIR, FLORENCE, SC 29501-8422
Document Number	0009041821
Book / Page	904 / 1821
Map Reference	MB 19 PG 902
Instrument Date	Feb 10, 2021
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	945 COWPENS CIR, FLORENCE, SC 29501-8422

Mortgage

Document Number	0009041825
Date	Feb 22, 2021
Instrument	904/1825

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 945 Cowpens Cir was $535.

Source: Florence County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Florence County
Unified School District	Florence School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$535.00	$5,423 Land $1,000 Building $4,423	$135,590 Land $25,000 Building $110,590
2023	$573.00 (+25.38%) Homeowner's exemption	$4,046,497 (+99,912.28%) Land $1,000,000 Building $3,046,497	$10,116,243 (+9,900.04%) Land $2,500,000 Building $7,616,243
2022	$457.00 Homeowner's exemption	$4,046 Land $1,000 Building $3,046	$101,162 Land $25,000 Building $76,162

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 945 Cowpens Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · 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 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2015 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2015 · 2 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

Wildfire risk around 945 Cowpens Cir is low, with a 0.06% annual chance of 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 87% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 FLORENCE serves 79,745 people · EPA ID SC2110001
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
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 211 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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