Sumter County property record for 109 Henderson St, Sumter, SC 29150
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,436 sqft · built 1953 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,500 (Aug 2020) |
| Tax Bill | $1,095 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 205-05-01-021 |
| Primary APN | 205-05-01-021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 2,576 sqft |
| 1st Floor Area | 1,860 sqft |
| Upper Floors Area | 576 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 147 ft deep x 147 ft wide |
| Porch | Finished Screened Porch |
| Patio Area | 287 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 26787 |
|---|---|
| Street Address | 109 HENDERSON ST |
| City | SUMTER |
| State | SC |
| Zip | 29150-3711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 7 PB89-546 0.44AC Z47-233 PB97-266 |
| Legal Subdivision | BEN J MAKELA |
| Legal Lot Number | 7 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SUMTER |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 902 |
109 Henderson St is owned and occupied by an individual who acquired it in November 2023.
Source: Sumter County records, as of December 3, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 HENDERSON ST, SUMTER, SC 29150-3711 |
| 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.
| Date | Document |
|---|---|
| Nov 3, 2023 | Intrafamily Transfer, Transfer |
| Jul 31, 2020 | Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2020 · Amount on File |
| Deed Sale | Aug 21, 2020 · Amount on File |
| Prior Sale | Oct 3, 2019 · Amount on File |
| Deed Document Number | 202012715571 |
| Deed Book / Page | 1271 / 5571 |
| Last Transfer Date | Nov 2, 2023 |
| Transfer Doc | 0013203722 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Nov 3, 2023 |
| Property Address | 109 HENDERSON ST, SUMTER, SC 29150-3711 |
| Document Number | 0013203722 |
| Book / Page | 1320 / 3722 |
| Map Reference | MB 97 PG 266 |
| Instrument Date | Nov 2, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 109 HENDERSON ST, SUMTER, SC 29150-3711 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012715577 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 1271/5577 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 109 Henderson St was $1,095.
Source: Sumter County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Sumter County |
| Municipality | Sumter City |
| Unified School District | Sumter County Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,095.00 | $5,560 Land $1,310 Building $4,250 | $139,020 Land $32,750 Building $106,270 |
| 2023 | $1,258.00 (+0.48%) | $6,770 (-) Land $1,310 Building $5,460 | $170,809 (-) Land $32,750 Building $138,059 |
| 2022 | $1,252.00 | $6,770 Land $1,310 Building $5,460 | $170,809 Land $32,750 Building $138,059 |
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.
FEMA maps place 109 Henderson St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1989.
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 |
| Flood Insurance Cost | Premium on File median of 31 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 17 (1989–2023) |
| Claims Outside the SFHA | 2 of 17 |
| Most Recent Claim | Mar 2023 · other causes |
| Claims by Event |
|
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 risk around 109 Henderson St 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 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SUMTER serves 53,070 people · EPA ID SC4310001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 285 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 |
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