1805 Emma Cir, Lancaster, SC 29720 Property Records

Lancaster County property record for 1805 Emma Cir, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1970
Lot Size	1.81 acres (78,844 sqft)
Owner	Individual Name on File
Last Sale	$167,000 (Jun 2021)
Tax Bill	$955 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0069P-0A-012.00`

Property Details

APN / Parcel Number

Primary APN	`0069P-0A-012.00`
Alternative APN	`10778`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,332 sqft
Flooring	Carpet

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	78,844 sqft (1.81 acres)
Porch	Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	10778
Street Address	1805 EMMA CIR
City	LANCASTER
State	SC
Zip	29720-7641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	100X256X211X202X
Legal Subdivision	EMMA R
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1002
Census Tract	11001

Owner

1805 Emma Cir is owned and occupied by an individual who bought it in June 2021.

Source: Lancaster County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1805 EMMA CIR, LANCASTER, SC 29720-7641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · FHA Mortgage SERVICEMAC LLC
Jun 8, 2021	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 4, 2019	Deed, Transfer · Conventional Mortgage PEOPLES BANK
Aug 10, 2018	Deed, Transfer GUARDIAN FIDELITY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Prior Sale	Apr 4, 2019 · Amount on File
Deed Document Number	202111823
Deed Book / Page	1442 / 118
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	1805 EMMA CIR, LANCASTER, SC 29720-7641
Transaction Type	Mortgage
Record Updated	Feb 16, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 EMMA CIR, LANCASTER, SC 29720-7641

Mortgage

Document Number	0000001247
Date	Feb 5, 2024
Book Page	1754/336
Instrument	2024001247

Lender

Name	SERVICEMAC LLC
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jul 1, 2051

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Jun 8, 2021
Property Address	1805 EMMA CIR, LANCASTER, SC 29720-7641
Document Number	0000011823
Book / Page	1442 / 118
Map Reference	MB 19 PG 27
Instrument Date	Jun 4, 2021
Instrument	2021011823
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$617.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 EMMA CIR, LANCASTER, SC 29720-7641

Mortgage

Document Number	0000011824
Date	Jun 8, 2021
Instrument	2021011824

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Apr 4, 2019
Property Address	1805 EMMA CIR, LANCASTER, SC 29720-7641
Document Number	0000004597
Book / Page	1222 / 231
Map Reference	MB 19 PG 27
Instrument Date	Apr 4, 2019
Instrument	2019004597
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 EMMA CIR, LANCASTER, SC 29720-7641

Mortgage

Document Number	0000004598
Date	Apr 4, 2019
Instrument	2019004598

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Aug 10, 2018
Property Address	1805 EMMA CIR, LANCASTER, SC 29720-7641
Document Number	0000011513
Book / Page	1162 / 237
Map Reference	MB19 PG27
Instrument Date	Aug 10, 2018
Instrument	2018011513
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2924 LAKESHORE DR, CHESTER, SC 29706-8645

Mortgage

Document Number	0000011514
Date	Aug 10, 2018
Book Page	3598/019
Instrument	2018011514

Lender

Name	GUARDIAN FIDELITY MORTGAGE INC
Type	Mortgage Company
Address	ROCK HILL, SC 29730

Agreement

Amount	Amount on Record
Term	120 Months
Due	Aug 10, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 1805 Emma Cir was $955, down 2.5% from the year before.

Source: Lancaster County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Lancaster County
Unified School District	Lancaster County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$955.00 (-2.45%)	$6,540 Land $988 Building $5,552	$163,500 Land $24,700 Building $138,800
2024	$979.00 (+0.41%)
2023	$975.00	$6,384 Land $872 Building $5,512	$159,600 Land $21,800 Building $137,800

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 1805 Emma Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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 Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2007 · rainfall accumulation

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 1805 Emma Cir 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	1,000 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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