Lancaster County property record for 1397 McIlwain Rd, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,295 sqft · built 1977 |
| Lot Size | 0.549 acres (23,894 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Aug 2022) |
| Tax Bill | $1,207 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jan 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0102B-0A-001.00 |
| Primary APN | 0102B-0A-001.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,295 sqft Living Area |
| Gross Area | 2,245 sqft |
| Flooring | Carpet |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,894 sqft (0.549 acres) |
| Lot Width | 121 ft Width |
| Garage Area | 420 sqft |
| Porch | Porch |
| Porch Area | 460 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19182 |
|---|---|
| Street Address | 1397 MCILWAIN RD |
| City | LANCASTER |
| State | SC |
| Zip | 29720-4053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | 143X215 4X100X20 |
| Legal Subdivision | EMMA JOYCE SOWELL |
| Legal Lot Number | 1 |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 10600 |
Source: Lancaster County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · FHA Mortgage CERTAINTY HOME LOANS LLC |
| Jan 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage CERTAINTY HOME LOANS LLC |
| Jan 18, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CERTAINTY HOME LOANS LLC |
| Aug 29, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CERTAINTY HOME LOANS LLC |
| Aug 8, 2022 | Deed, Transfer · FHA Mortgage CERTAINTY HOME LOANS LLC |
| Jul 8, 2022 | Deed of Distribution, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2022 · Amount on Record |
| Deed Sale | Aug 8, 2022 · Amount on Record |
| Deed Document Number | 202212966 |
| Deed Book / Page | 1577 / 313 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000014090 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 4818/13 |
| Instrument | 2022014090 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000000701 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 4896/317 |
| Instrument | 2023000701 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000702 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 4896/335 |
| Instrument | 2023000702 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 17, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000014091 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 4818/31 |
| Instrument | 2022014091 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 28, 2042 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Aug 8, 2022 |
| Property Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Document Number | 0000012966 |
| Book / Page | 1577 / 313 |
| Instrument Date | Aug 3, 2022 |
| Instrument | 2022012966 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $598.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Document Number | 0000012967 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 2022012967 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Number | 0000012968 |
|---|---|
| Date | Aug 8, 2022 |
| Book Page | 4803/285 |
| Instrument | 2022012968 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 7, 2042 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Jul 8, 2022 |
| Property Address | 1397 MCILWAIN RD, LANCASTER, SC 29720-4053 |
| Document Number | 0000011261 |
| Book / Page | 1568 / 17 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 2022011261 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2132 S POTTER RD, LANCASTER, SC 29720-7665 |
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 | $1,207.00 (+13.55%) | $10,272 (+15%) Land $813 Building $9,459 | $305,900 (+36.99%) Land $24,200 Building $281,700 |
| 2024 | $1,063.00 (+0.38%) | ||
| 2023 | $1,059.00 | $8,932 Land $968 Building $7,964 | $223,300 Land $24,200 Building $199,100 |
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.
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 64% of the US · lower than 91% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| RiverNet Connect Fiber | 1,000 / 1,000 |
| Comporium Cable | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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