103 Smiths Ford Rd, Chapin, SC 29036 Property Records

Lexington County property record for 103 Smiths Ford Rd, Chapin, SC 29036

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,179 sqft · built 1986
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Nov 2019)
Tax Bill	$2,009 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001218-02-012`

Property Details

APN / Parcel Number

Primary APN	`001218-02-012`
Alternative APN	`0121802012`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,179 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Shingle
Lot Area	31,799 sqft (0.73 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 SMITHS FORD RD
City	CHAPIN
State	SC
Zip	29036-8621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	INDIAN FORK LOT 12 BLK B
Legal Subdivision	INDIAN FORK SUBDIVISION
Legal Block	B
Legal Lot Number	12
Jurisdiction	LEXINGTON SC
Township / Civil Division	CHAPIN
Census Block Group	1
Census Block	1004
Census Tract	21207

Owner

103 Smiths Ford Rd is owned and occupied by an individual who bought it in November 2019.

Source: Lexington County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	103 SMITHS FORD RD, CHAPIN, SC 29036-8621
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
Jan 11, 2024	Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSURANCE FINANCIAL GROUP LLC
Nov 4, 2019	Deed, Transfer · Conventional Mortgage ASSURANCE FINANCIAL GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2019 · Amount on File
Deed Sale	Nov 4, 2019 · Amount on File
Deed Document Number	201950852
Deed Book / Page	20843 / 1397
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	103 SMITHS FORD RD, CHAPIN, SC 29036-8621
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2108904214
Date	Jan 11, 2024
Book Page	21089/4214
Instrument	2024001423

Lender

Name	PALMETTO CITIZENS FCU
Type	Credit Union
Address	COLUMBIA, SC 29250

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	103 SMITHS FORD RD, CHAPIN, SC 29036-8621
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2091503689
Date	Jan 8, 2021
Book Page	20915/3689
Instrument	2021001128

Lender

Name	ASSURANCE FINANCIAL GROUP LLC
Type	Lending Institution
Address	BATON ROUGE, LA 70809

Agreement

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

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON SC
Recording Date	Nov 4, 2019
Property Address	103 SMITHS FORD RD, CHAPIN, SC 29036-8621
Document Number	2084301397
Book / Page	20843 / 1397
Map Reference	MB 185-G PG 170
Instrument Date	Oct 16, 2019
Instrument	2019050852
Transaction Type	Transfer
Record Updated	Feb 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,128.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	103 SMITHS FORD RD, CHAPIN, SC 29036-8621

Mortgage

Document Number	2019050853
Date	Nov 4, 2019
Instrument	2019050853

Lender

Name	ASSURANCE FINANCIAL GROUP LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 103 Smiths Ford Rd was $2,009, up 7.7% from the year before.

Source: Lexington County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Lexington County
Unified School District	Lexington School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,009.00 (+7.66%)
2024	$1,866.00 (+0.86%)	$12,200 (-) Land $1,600 Building $10,600	$305,000 (-) Land $40,000 Building $265,000
2023	$1,850.00	$12,200 Land $1,600 Building $10,600	$305,000 Land $40,000 Building $265,000

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 103 Smiths Ford Rd 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 September 10, 2026 · 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
Flood Insurance Cost	Premium on File median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · 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 103 Smiths Ford Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.06% 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	CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021
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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: CarolinaConnect Cooperative.

Cell Coverage

5G (outdoors only) and 4G LTE

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