977 Garnet Cir, Chesnee, SC 29323 Property Records

Spartanburg County property record for 977 Garnet Cir, Chesnee, SC 29323

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,032 sqft · built 2018
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,900 (May 2020)
Tax Bill	$1,973 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2-30-00-272.34`

Property Details

APN / Parcel Number

Primary APN	`2-30-00-272.34`
Alternative APNs	`7118-47-9842.26` `31742`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,032 sqft Living Area
Gross Area	2,679 sqft
1st Floor Area	2,032 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stone
Construction Type	Stone
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,394 sqft (0.56 acres)
Terrain	Gentle Slope
Garage Type	Attached
Garage Area	400 sqft
Porch	Porch
Porch Area	247 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	31742
Street Address	977 GARNET CIR
City	CHESNEE
State	SC
Zip	29323-8048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 STONECREEK FALLS PH I PB 168-123
Legal Subdivision	STONECREEK FALLS PH I
Legal Phase	1
Legal Lot Number	18
Jurisdiction	SPARTANBURG SC
Township / Civil Division	BOILING SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	22409

Owner

Source: Spartanburg County records, as of October 12, 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	977 GARNET CIR, CHESNEE, SC 29323-8048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 22, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Jul 11, 2018	Deed, Subdivision Related Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Feb 14, 2018	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Prior Sale	Jul 11, 2018 · Amount on Record
Deed Document Number	202021387
Deed Book / Page	127-Y / 776
Prior Transfer Date	Feb 19, 2016
Prior Transfer Doc	0000009949
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPARTANBURG SC
Property Address	977 GARNET CIR, CHESNEE, SC 29323-8048
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007329
Date	Feb 10, 2021
Book Page	6014/186
Instrument	2021-07329

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPARTANBURG SC
Recording Date	May 22, 2020
Property Address	977 GARNET CIR, CHESNEE, SC 29323-8048
Document Number	0000021387
Book / Page	00127Y / 000776
Instrument Date	May 22, 2020
Instrument	21387
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$906.00
Amount Accuracy	Confirmed
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	977 GARNET CIR CHESNEE SC 293238048, CHESNEE, SC 29323-8048

Mortgage

Document Number	21388
Date	May 22, 2020
Book Page	005817/000562
Instrument	21388

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

July 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	SPARTANBURG SC
Recording Date	Jul 11, 2018
Property Address	977 GARNET CIR, CHESNEE, SC 29323-8048
Document Number	0000031062
Book / Page	120-J / 0509
Map Reference	MB168 PG123
Instrument Date	Apr 12, 2018
Instrument	2018-31062
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$795.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	977 GARNET CIR, CHESNEE, SC 29323-8048

Mortgage

Document Number	0000031063
Date	Jul 11, 2018
Instrument	2018-31063

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SPARTANBURG SC
Property Address	977 GARNET CIR, CHESNEE, SC 29323-8048
Document Number	0000007251
Instrument Date	Feb 14, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	955 W WADE HAMPTON BLVD #7 GREER SC 296501293, 7, GREER, SC 29650-1293
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Spartanburg County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Spartanburg County
Unified School District	Spartanburg School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,973.00 (+0.51%)	$11,266 (-) Land $1,999 Building $9,267	$310,000 (-) Land $55,000 Building $255,000
2024	$1,963.00 (+1.24%)
2023	$1,939.00	$11,266 Land $1,999 Building $9,267	$310,000 Land $55,000 Building $255,000

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 October 2, 2022 · 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
Nearby Flood Policies	1 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	Moderate above 43% of the US · lower than 67% 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	SPARTANBURG WATER SYSTEM serves 166,364 people · EPA ID SC4210001
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Garnet Cir

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