2045 Charles Ave, Lancaster, SC 29720 Property Records

Lancaster County property record for 2045 Charles Ave, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,403 sqft · built 2007
Lot Size	0.548 acres (23,855 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Jul 2019)
Tax Bill	$1,729 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0062C-0D-018.00`

Property Details

APN / Parcel Number

Primary APN	`0062C-0D-018.00`
Alternative APN	`74590`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,403 sqft Living Area
Gross Area	2,434 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,855 sqft (0.548 acres)
Lot Width	113 ft Width
Garage Area	504 sqft
Porch	Porch
Porch Area	120 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	74590
Street Address	2045 CHARLES AVE
City	LANCASTER
State	SC
Zip	29720-5833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	93X20X184X113X203
Legal Subdivision	ARROWOOD ESTATES
Legal Block	O-11
Legal Lot Number	O-11
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2009
Census Tract	11100

Owner

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	2 Individual Names on Record
Mailing Address	2045 CHARLES AVE, LANCASTER, SC 29720-5833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
Jul 12, 2019	Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	Oct 7, 2016 · Amount on Record
Deed Document Number	20199924
Deed Book / Page	1250 / 1
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	2045 CHARLES AVE, LANCASTER, SC 29720-5833
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005565
Date	Mar 18, 2021
Book Page	4334/18
Instrument	2021005565

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 5, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	2045 CHARLES AVE, LANCASTER, SC 29720-5833
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004150
Date	Mar 1, 2021
Book Page	4311/287
Instrument	2021004150

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 5, 2036

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Jul 12, 2019
Property Address	2045 CHARLES AVE, LANCASTER, SC 29720-5833
Document Number	0000009924
Book / Page	1250 / 001
Map Reference	PL 1001
Instrument Date	Jul 8, 2019
Instrument	2019009924
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	ATTORNEY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2045 CHARLES AVE, LANCASTER, SC 29720-5833

Mortgage

Document Number	0000009925
Date	Jul 12, 2019
Instrument	2019009925

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2034

Tax Assessment & Valuation

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	$1,729.00 (+9.36%)	$11,840 (+15%) Land $1,518 Building $10,322	$390,000 (+51.52%) Land $50,000 Building $340,000
2024	$1,581.00 (+0.44%)
2023	$1,574.00	$10,296 Land $1,132 Building $9,164	$257,400 Land $28,300 Building $229,100

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.

Flood

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	3 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

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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable · Fiber in parts of the area	1,000 / 100

May also be available: T-Mobile.

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