Sumter County property record for 1648 Ruger Dr, Sumter, SC 29150
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,692 sqft · built 2010 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Sep 2024) |
| Tax Bill | $1,599 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 187-13-04-047 |
| Primary APN | 187-13-04-047 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,692 sqft Living Area |
| Gross Area | 2,115 sqft |
| 1st Floor Area | 846 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered/Finished Porch |
| Patio Area | 70 sqft |
| Utility Building | 27 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 20216 |
|---|---|
| Street Address | 1648 RUGER DR |
| City | SUMTER |
| State | SC |
| Zip | 29150-7915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 185 .13 AC |
| Legal Subdivision | HUNTERS XING PH 02 SEC 03 |
| Legal Block | 3 |
| Legal Lot Number | 185 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SHAW AFB-HORATIO |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 202 |
1648 Ruger Dr is owned and occupied by two individuals who bought it in September 2024.
Source: Sumter County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1648 RUGER DR, SUMTER, SC 29150-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Oct 5, 2021 | Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Apr 2, 2018 | Quit Claim Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2024 · Amount on File |
| Deed Sale | Sep 17, 2024 · Amount on File |
| Prior Sale | Oct 5, 2021 · Amount on File |
| Deed Book / Page | 1331 / 2947 |
| Prior Transfer Date | Mar 26, 2018 |
| Prior Transfer Doc | 0012425173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Oct 5, 2021 |
| Property Address | 1648 RUGER DR, SUMTER, SC 29150-7915 |
| Document Number | 0012922253 |
| Book / Page | 1292 / 2253 |
| Map Reference | MB PB2008 PG 341 |
| Instrument Date | Oct 1, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $654.90 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1648 RUGER DR, SUMTER, SC 29150-7915 |
| Document Number | 0012922257 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 1292/2257 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Apr 2, 2018 |
| Property Address | 1648 RUGER DR, SUMTER, SC 29150-7915 |
| Document Number | 0012425173 |
| Book / Page | 001242 / 005173 |
| Instrument Date | Mar 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1648 RUGER DR SUMTER SC 291507915, SUMTER, SC 29150-7915 |
| Document Number | 12425176 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 001242/005176 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 1648 Ruger Dr was $1,599.
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 | $1,599.00 | $8,270 Land $1,400 Building $6,870 | $206,678 Land $35,000 Building $171,678 |
| 2023 | $1,307.00 (+0.46%) | $7,030 (-) Land $1,400 Building $5,630 | $175,668 (-) Land $35,000 Building $140,668 |
| 2022 | $1,301.00 | $7,030 Land $1,400 Building $5,630 | $175,668 Land $35,000 Building $140,668 |
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 1648 Ruger Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2015 · Severe Storms And Flooding |
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 1648 Ruger Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 93% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 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 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| FTC Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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