1045 Garnette Rd, Lancaster, SC 29720 Property Records

Lancaster County property record for 1045 Garnette Rd, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,932 sqft · built 1974
Lot Size	7.17 acres (312,325 sqft)
Owner	Individual Name on Record
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0069H-0A-001.00`

Property Details

APN / Parcel Number

Primary APN	`0069H-0A-001.00`
Alternative APN	`10467`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,932 sqft Living Area
Gross Area	2,188 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	312,325 sqft (7.17 acres)
Garage Area	480 sqft
Porch	Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10467
Street Address	1045 GARNETTE RD
City	LANCASTER
State	SC
Zip	29720-8526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	354.9X450.35X315
Legal Subdivision	EASTOV
Legal Block	11-A
Legal Lot Number	11-A
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1045
Census Tract	11002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Quit Claim Deed, Transfer · Conventional Mortgage SHARONVIEW FCU
Dec 22, 2020	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2018	Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 22, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020
Deed Sale	Dec 22, 2020
Prior Sale	Jun 7, 2018 · Amount on Record
Deed Document Number	202023286
Deed Book / Page	1393 / 151
Last Transfer Date	Dec 20, 2022
Transfer Doc	0000019885
Record Updated	Sep 20, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER SC
Recording Date	Dec 30, 2022
Property Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526
Document Number	0000019885
Book / Page	1622 / 38
Map Reference	PL 956
Instrument Date	Dec 20, 2022
Instrument	2022019885
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526

Mortgage

Document Number	0000019886
Date	Dec 30, 2022
Instrument	2022019886

Lender

Name	SHARONVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2043

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER SC
Recording Date	Dec 22, 2020
Property Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526
Document Number	0000023286
Book / Page	1393 / 151
Map Reference	PL 956
Instrument Date	Dec 15, 2020
Instrument	2020023286
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526

Mortgage

Document Number	0000023287
Date	Dec 22, 2020
Instrument	2020023287

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Aug 1, 2048

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Jun 7, 2018
Property Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526
Document Number	0000008039
Book / Page	1146 / 088
Map Reference	PL956
Instrument Date	Jun 5, 2018
Instrument	2018008039
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526

Mortgage

Document Number	0000008040
Date	Jun 7, 2018
Book Page	3563/107
Instrument	2018008040

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER SC
Recording Date	Jun 22, 2017
Property Address	1045 GARNETTE RD, LANCASTER, SC 29720-8526
Document Number	0000008987
Book / Page	001062 / 000313
Instrument Date	Jun 21, 2017
Instrument	8987
Transaction Type	Transfer
Record Updated	Jun 30, 2017

Transaction

Amount	Amount Recorded
Tax	$555.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 FOX RUN RD LANCASTER SC 297207542, LANCASTER, SC 29720-7542

Tax Assessment & Valuation

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	$1,866.00 (+5.19%)	$11,386 (-20.7%) Land $3,117 Building $8,269	$364,100 (+52.15%) Land $90,600 Building $273,500
2024	$1,774.00 (-62.68%)
2023	$4,754.00	$14,358 Land $4,800 Building $9,558	$239,300 Land $80,000 Building $159,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Sep 2012 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.02% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	1,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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