10198 Lakeshore Dr, Lancaster, SC 29720 Property Records

Lancaster County property record for 10198 Lakeshore Dr, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,270 sqft · built 2017
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (May 2023)
Tax Bill	$2,968 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit May 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0106N-0A-070.00`

Property Details

APN / Parcel Number

Primary APN	`0106N-0A-070.00`
Alternative APN	`80642`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,270 sqft Living Area
Gross Area	3,696 sqft
Flooring	Tile

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Width	1 ft Width
Garage Area	868 sqft
Porch	Porch
Porch Area	290 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	80642
Street Address	10198 LAKESHORE DR
City	LANCASTER
State	SC
Zip	29720-8917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDD
Legal Description	101X200X58X200
Legal Subdivision	EDGEWATER SUBDIVISION
Legal Block	135
Legal Lot Number	135
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1042
Census Tract	10400

Owner

10198 Lakeshore Dr is owned and occupied by an individual who bought it in May 2023.

Source: Lancaster County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	10198 LAKESHORE DR, LANCASTER, SC 29720-8917
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
Jul 19, 2023	Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU
May 22, 2023	Deed, Transfer
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jul 17, 2017	Loan Modification, Mortgage · Conventional Mortgage PINNACLE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2023 · Amount on File
Deed Sale	May 22, 2023 · Amount on File
Prior Sale	Aug 18, 2006 · Amount on File
Deed Document Number	20236310
Deed Book / Page	1667 / 223
Prior Transfer Date	Oct 21, 2013
Prior Transfer Doc	0000019217
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	10198 LAKESHORE DR, LANCASTER, SC 29720-8917
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008943
Date	Jul 19, 2023
Book Page	4992/60
Instrument	2023008943

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	May 22, 2023
Property Address	10198 LAKESHORE DR, LANCASTER, SC 29720-8917
Document Number	0000006310
Book / Page	1667 / 223
Map Reference	MB 5 PG 408
Instrument Date	May 19, 2023
Instrument	2023006310
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

Amount	Amount on Record
Tax	$1,196.00
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	10198 LAKESHORE DR, LANCASTER, SC 29720-8917
Investor	Possibly a Property Investor

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	10198 LAKESHORE DR, LANCASTER, SC 29720-8917
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	RICHMOND, VA 23224

Mortgage

Document Number	0000005680
Date	Apr 9, 2020
Book Page	3971/54
Instrument	2020005680

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANCASTER SC
Property Address	10198 LAKESHORE DR, LANCASTER, SC 29720-8917
Document Number	0000011281
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10198 LAKE SHORE DR LANCASTER SC 297208917, LANCASTER, SC 29720-8917

Mortgage

Document Number	0000011281
Date	Aug 2, 2017
Book Page	003402/000126
Instrument	11281

Lender

Name	PINNACLE BK
Type	Bank
Address	CHARLOTTE, NC 28226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 10198 Lakeshore Dr was $2,968, down 69.3% from the year before.

Source: Lancaster County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,968.00 (-69.35%)	$18,468 Land $3,200 Building $15,268	$461,700 Land $80,000 Building $381,700
2024	$9,682.00 (+356.91%)
2023	$2,119.00	$12,158 Land $2,331 Building $9,827	$313,000 Land $60,000 Building $253,000

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

FEMA maps place 10198 Lakeshore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2017 · rainfall accumulation

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 10198 Lakeshore Dr is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 61% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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