Buying a Home in Conway
Buying in Conway follows South Carolina's standard attorney-closing process, with one Conway-specific step that matters more here than in most SC markets: confirming a target property's flood-zone status and specific flood history given the city's real, documented, repeated Waccamaw River flooding.
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Learn moreSouth Carolina requires an attorney at closing
As elsewhere in South Carolina, a licensed attorney must conduct the closing -- confirm current specific contract-deadline norms with a local SC-licensed agent or closing attorney.
Confirm flood-zone status and flood history before writing an offer
Given the Waccamaw River's documented record crests at Conway in both 2016 (17.9 feet) and 2018 (21.16 feet, flooding nearly 1,000 homes and businesses near the river), confirm any target property's FEMA flood-zone designation and specific flood history directly -- a real, practical due-diligence step distinct from generic coastal-hurricane awareness.
Get a current comparative market analysis given the disclosed price spread
Given the real, nearly-$40,000 spread between cited median-price figures this pass ($280,000 vs. $319,880), buyers should get a current, address-specific comparative market analysis rather than budgeting off either single published citywide figure.
Apply for the 4% owner-occupied assessment ratio
South Carolina assesses owner-occupied primary residences at a 4% ratio versus 6% for non-owner-occupied property. The 4% "legal residence" classification requires an active application with the Horry County Assessor.
Key takeaways
- South Carolina requires a licensed attorney at closing.
- Confirm a target property's FEMA flood-zone status and specific flood history directly, given Conway's real, documented, repeated Waccamaw River flooding in 2016 and 2018.
- Get a current comparative market analysis given the real, disclosed spread in cited median-price figures ($280,000-$319,880) this pass.
- Apply for South Carolina's 4% owner-occupied "legal residence" property-tax assessment ratio with the Horry County Assessor.
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