120 Oak Trace Ct, Chapin, SC 29036 Property Records

Lexington County property record for 120 Oak Trace Ct, Chapin, SC 29036

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,285 sqft · built 2007
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (May 2023)
Tax Bill	$3,072 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001529-01-022`

Property Details

APN / Parcel Number

Primary APN	`001529-01-022`
Alternative APN	`0152901022`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,285 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Construction Type	Brick
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	120 OAK TRACE CT
City	CHAPIN
State	SC
Zip	29036-8290
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	FAIRWAY OAKS LOT 21
Legal Subdivision	TIMBERLAKE PLANTATION
Legal Lot Number	21
Jurisdiction	LEXINGTON SC
Township / Civil Division	CHAPIN
Census Block Group	1
Census Block	1000
Census Tract	21205

Owner

120 Oak Trace Ct is owned by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
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
May 4, 2023	Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC
Jan 24, 2019	Deed of Trust, Mortgage · Line of Credit FIRST RELIANCE BANK
May 6, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2023 · Amount on File
Deed Sale	May 4, 2023 · Amount on File
Prior Sale	May 6, 2020 · Amount on File
Deed Document Number	202315012
Deed Book / Page	21055 / 4080
Prior Transfer Date	May 2, 2023
Prior Transfer Doc	2105504080
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	May 4, 2023
Property Address	120 OAK TRACE CT, CHAPIN, SC 29036-8290
Document Number	2105504080
Book / Page	21055 / 4080
Map Reference	MB 221-G PG 9
Instrument Date	May 2, 2023
Instrument	2023015012
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$884.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 OAK TRACE CT, CHAPIN, SC 29036-8290
Investor	Possibly a Property Investor

Mortgage

Document Number	2023015013
Date	May 4, 2023
Instrument	2023015013

Lender

Name	T2 FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	120 OAK TRACE CT, CHAPIN, SC 29036-8290
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2055600347
Date	Jan 24, 2019
Book Page	20556/347
Instrument	2019003606

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	FLORENCE, SC 29501

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	May 6, 2020
Property Address	120 OAK TRACE CT, CHAPIN, SC 29036-8290
Document Number	2086905678
Book / Page	020869 / 005678
Instrument Date	May 6, 2020
Instrument	18593
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,388.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 OAK TRACE CT CHAPIN SC 290368290, CHAPIN, SC 29036-8290

Tax Assessment & Valuation

The 2025 property tax bill for 120 Oak Trace Ct was $3,072, 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	$3,072.00 (+7.68%)
2024	$2,853.00 (-70.67%)	$18,654 (-17.09%) Land $1,320 Building $17,334	$466,342 (+24.36%) Land $33,000 Building $433,342
2023	$9,726.00	$22,500 Land $1,980 Building $20,520	$375,000 Land $33,000 Building $342,000

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 120 Oak Trace Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2006.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	4 (2006–2026)
Most Recent Claim	May 2026 · other causes

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 120 Oak Trace Ct is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 86% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: CarolinaConnect Cooperative, Verizon.

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