Lancaster County property record for 1786 Old Charles St, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,224 sqft · built 1947 |
| Lot Size | 0.637 acres (27,732 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Jun 2026) |
| Tax Bill | $515 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0086E-0B-002.00 |
| Primary APN | 0086E-0B-002.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 1,494 sqft |
| Flooring | Wood |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 27,732 sqft (0.637 acres) |
| Lot Width | 172 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 270 sqft |
| Heating System | Floor/Wall Furnace |
|---|
| Account Number | 16512 |
|---|---|
| Street Address | 1786 OLD CHARLES ST |
| City | LANCASTER |
| State | SC |
| Zip | 29720-3800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | 153X171X164X176 |
| Legal Subdivision | PROPERTY OF JOSHUA NEAL WRIGHT |
| Legal Block | 62-63 |
| Legal Lot Number | 62-63 |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 10500 |
1786 Old Charles St is owned and occupied by an individual who bought it in June 2026.
Source: Lancaster County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1786 OLD CHARLES ST, LANCASTER, SC 29720-3800 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU |
| Feb 3, 2020 | Deed, Transfer · Conventional Mortgage FOUNDERS FCU |
| Nov 6, 2017 | Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on File |
| Deed Sale | Jun 29, 2026 · Amount on File |
| Prior Sale | Feb 3, 2020 · Amount on File |
| Deed Document Number | 20269247 |
| Deed Book / Page | 2080 / 43 |
| Prior Transfer Date | Feb 6, 2008 |
| Prior Transfer Doc | 0000002289 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Jun 29, 2026 |
| Property Address | 1786 OLD CHARLES ST, LANCASTER, SC 29720-3800 |
| Document Number | 0000009247 |
| Book / Page | 2080 / 43 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20269247 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84,082.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1786 OLD CHARLES ST, LANCASTER, SC 29720-3800 |
| Document Number | 0000009248, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 5619/1 |
| Instrument | 20269248 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000009249, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 5619/21 |
| Instrument | 20269249 |
| Name | MORTGAGE MORTGAGE |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 1786 OLD CHARLES ST, LANCASTER, SC 29720-3800 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000875 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 4647/204 |
| Instrument | 2022000875 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 5, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Feb 3, 2020 |
| Property Address | 1786 OLD CHARLES ST, LANCASTER, SC 29720-3800 |
| Document Number | 0000001877 |
| Book / Page | 1305 / 089 |
| Map Reference | PL 2005 PG 454 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 2020001877 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $292.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1786 OLD CHARLES ST, LANCASTER, SC 29720-3800 |
| Document Number | 0000001878 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 2020001878 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Feb 5, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6.25% |
| Index | 1-Year LIBOR |
| Max Rate | 10.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Nov 6, 2017 |
| Property Address | 1786 OLD CHARLES ST, LANCASTER, SC 29720-3800 |
| Document Number | 0000016534 |
| Book / Page | 1094 / 178 |
| Map Reference | MB 2005 PG 454 |
| Instrument Date | Nov 6, 2017 |
| Instrument | 2017016534 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1706 OLD CHARLES ST, LANCASTER, SC 29720-3816 |
| Document Number | 0000016535 |
|---|---|
| Date | Nov 6, 2017 |
| Instrument | 2017016535 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
The 2025 property tax bill for 1786 Old Charles St was $515, up 9.3% from the year before.
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 | $515.00 (+9.34%) | $3,532 Land $441 Building $3,091 | $124,100 Land $15,500 Building $108,600 |
| 2024 | $471.00 (+0.43%) | ||
| 2023 | $469.00 | $3,072 Land $620 Building $2,452 | $76,800 Land $15,500 Building $61,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1786 Old Charles St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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 1786 Old Charles St is low, with a 0.02% annual chance of wildfire.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Comporium Cable | 1,000 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
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