Sumter County property record for 120 Decoy Ct, Sumter, SC 29154
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,403 sqft · built 2019 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $219,000 (Apr 2019) |
| Tax Bill | $1,839 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 205-09-03-003 |
| Primary APN | 205-09-03-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,403 sqft Living Area |
| 1st Floor Area | 1,202 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Fence | Fence |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 27320 |
|---|---|
| Street Address | 120 DECOY CT |
| City | SUMTER |
| State | SC |
| Zip | 29154-4727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 0.22 AC |
| Legal Lot Number | 3 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SUMTER |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 1701 |
Source: Sumter County records · APN 205-09-03-003
Assessment roll updated September 13, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2126 FOX RUN, LYNN HAVEN, FL 32444-4545 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 24, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 24, 2019 · Amount on Record |
| Deed Sale | Apr 24, 2019 · Amount on Record |
| Deed Document Number | 0012544175 |
| Deed Book / Page | 1254 / 4175 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 120 DECOY CT, SUMTER, SC 29154-4727 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012783720 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 1278/3720 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Apr 24, 2019 |
| Property Address | 120 DECOY CT, SUMTER, SC 29154-4727 |
| Document Number | 0012544175 |
| Book / Page | 001254 / 004175 |
| Instrument Date | Apr 23, 2019 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $810.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 DECOY CT SUMTER SC 291544727, SUMTER, SC 29154-4727 |
| Document Number | 12544177 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 001254/004177 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 23, 2049 |
Source: Sumter County records · Assessment roll updated September 13, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Sumter County |
| Municipality | Sumter City |
| Unified School District | Sumter County Consolidated School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,839.00 (+5.21%) | $9,560 (-) Land $1,200 Building $8,360 | $238,968 (-) Land $30,000 Building $208,968 |
| 2023 | $9,560 (-) Land $1,200 Building $8,360 | $238,968 (-) Land $30,000 Building $208,968 | |
| 2022 | $1,748.00 | $9,560 Land $1,200 Building $8,360 | $238,968 Land $30,000 Building $208,968 |
Source: FEMA National Flood Hazard Layer as of January 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2015–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Wildfire Risk | Moderate above 51% of the US · above 59% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Farmers Telephone Cooperative, Inc. (SC) Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 217 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SUMTER serves 53,070 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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