Lancaster County property record for 1396 Carmel Rd, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,296 sqft · built 1990 |
| Lot Size | 0.344 acres (14,990 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Apr 2023) |
| Tax Bill | $1,188 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Apr 2023 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0082O-0F-001.00 |
| Primary APN | 0082O-0F-001.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 1,620 sqft |
| Flooring | Carpet |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,990 sqft (0.344 acres) |
| Lot Dimensions | 15 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 96 sqft |
| Deck Area | 228 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 15580 |
|---|---|
| Street Address | 1396 CARMEL RD |
| City | LANCASTER |
| State | SC |
| Zip | 29720-2957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | 100 X 150 |
| Legal Subdivision | CLOIST |
| Legal Block | 83 |
| Legal Lot Number | 83 |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 10500 |
Source: Lancaster County assessment roll, as of March 27, 2026
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 | 1396 CARMEL RD, LANCASTER, SC 29720-2957 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 28, 2023 | Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 28, 2023 · Amount on Record |
| Deed Sale | Apr 28, 2023 · Amount on Record |
| Deed Document Number | 20235355 |
| Deed Book / Page | 1660 / 276 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Sep 29, 2023 |
| Property Address | 1396 CARMEL RD, LANCASTER, SC 29720-2957 |
| Document Number | 0000012378 |
| Book / Page | 1714 / 258 |
| Map Reference | PL 11923 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 2023012378 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1396 CARMEL RD, LANCASTER, SC 29720-2957 |
| Document Number | 0000012379 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2023012379 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.77% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.77% |
| Max Rate At Change | 8.77% |
| Index | 5-Year TN |
| Max Rate | 12.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Apr 28, 2023 |
| Property Address | 1396 CARMEL RD, LANCASTER, SC 29720-2957 |
| Document Number | 0000005355 |
| Book / Page | 1660 / 276 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 2023005355 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $338.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1313 CHARIDGE LN, CHARLOTTE, NC 28262-3530 |
| Name | Verified Name |
|---|---|
| Address | 1396 CARMEL RD, LANCASTER, SC 29720-2957 |
| Document Number | 0000005356 |
|---|---|
| Date | Apr 28, 2023 |
| Book Page | 4949/262 |
| Instrument | 2023005356 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15212 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Lancaster County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Lancaster County |
| Unified School District | Lancaster County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,188.00 (-2.14%) | $8,140 (+99.51%) Land $1,600 Building $6,540 | $203,500 (+99.51%) Land $40,000 Building $163,500 |
| 2024 | $1,214.00 (+94.86%) | ||
| 2023 | $623.00 (+0.32%) | $4,080 (-) Land $360 Building $3,720 | $102,000 (-) Land $9,000 Building $93,000 |
| 2022 | $621.00 | $4,080 Land $360 Building $3,720 | $102,000 Land $9,000 Building $93,000 |
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.
Source: FEMA National Flood Hazard Layer, effective January 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LANCASTER serves 14,074 people · EPA ID SC2910001 |
|---|---|
| Water Source | Purchased surface water from LANCASTER COUNTY W&SD |
| Last State Inspection | Sep 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Comporium Cable | 1,000 / 100 |
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