1089 Garnette Rd, Lancaster, SC 29720 Property Records

Lancaster County property record for 1089 Garnette Rd, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,579 sqft · built 1975
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2023)
Tax Bill	$1,212 (2023)
Deeds & Mortgages	Jul 2026 Mortgage May 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`0069H-0A-006.00`

Property Details

APN / Parcel Number

Primary APN	`0069H-0A-006.00`
Alternative APN	`10472`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,579 sqft Living Area
Gross Area	3,710 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	61,420 sqft (1.41 acres)
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Porch	Porch
Porch Area	604 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10472
Street Address	1089 GARNETTE RD
City	LANCASTER
State	SC
Zip	29720-8526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	140X440
Legal Subdivision	EASTOV
Legal Block	6
Legal Lot Number	6
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1045
Census Tract	11002

Owner

1089 Garnette Rd is owned and occupied by two individuals who bought it in May 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1089 GARNETTE RD, LANCASTER, SC 29720-8526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · VA Mortgage CAPITAL LENDING
May 12, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2023 · Amount on File
Deed Sale	May 12, 2023 · Amount on File
Prior Sale	Nov 5, 2002 · Amount on File
Deed Document Number	20235939
Deed Book / Page	1664 / 280
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Recording Date	Jul 27, 2026
Property Address	1089 GARNETTE RD, LANCASTER, SC 29720-8526
Document Number	0000010723
Book / Page	5639 / 249
Instrument Date	Jul 21, 2026
Instrument	202610723
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 GARNETTE RD, LANCASTER, SC 29720-8526

Mortgage

Document Number	0000010723,
Date	Jul 27, 2026
Book Page	5639/249
Instrument	202610723

Lender

Name	CAPITAL LENDING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER SC
Recording Date	May 12, 2023
Property Address	1089 GARNETTE RD, LANCASTER, SC 29720-8526
Document Number	0000005939
Book / Page	1664 / 280
Map Reference	PL 14210
Instrument Date	May 12, 2023
Instrument	2023005939
Transaction Type	Transfer
Record Updated	May 31, 2023

Transaction

Amount	Amount on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
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	510 HILLSDALE DR, MONROE, NC 28110-2701

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		$15,364 Land $1,692 Building $13,672	$384,100 Land $42,300 Building $341,800
2023	$1,212.00	$11,550 Land $1,104 Building $10,446	$192,500 Land $18,400 Building $174,100

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 1089 Garnette Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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

Wildfire risk around 1089 Garnette Rd is low, with a 0.02% annual chance of 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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