2089 Flat Creek Rd, Lancaster, SC 29720 Property Records

Lancaster County property record for 2089 Flat Creek Rd, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,895 sqft · built 2003
Lot Size	2.73 acres (118,919 sqft)
Owner	2 Individual Names on Record
Last Sale	$27,500 (Mar 2020)
Tax Bill	$2,080 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`0080-00-024.06`

Property Details

APN / Parcel Number

Primary APN	`0080-00-024.06`
Alternative APNs	`00800 00 024.06` `77408`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,895 sqft Living Area
Gross Area	3,745 sqft
Flooring	Wood

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	118,919 sqft (2.73 acres)
Garage Area	2,400 sqft
Porch	Porch
Porch Area	546 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	77408
Street Address	2089 FLAT CREEK RD
City	LANCASTER
State	SC
Zip	29720-7692
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1008
Census Tract	11001

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	2089 FLAT CREEK RD, LANCASTER, SC 29720-7692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2020 · Amount on Record
Deed Sale	Mar 10, 2020 · Amount on Record
Deed Document Number	20203889
Deed Book / Page	1314 / 108
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	2089 FLAT CREEK RD, LANCASTER, SC 29720-7692
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016432
Date	Nov 15, 2018
Book Page	3649/318
Instrument	2018016432

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 8, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER SC
Recording Date	Mar 10, 2020
Property Address	2089 FLAT CREEK RD, LANCASTER, SC 29720-7692
Document Number	0000003889
Book / Page	001314 / 000108
Instrument Date	Jan 6, 2020
Instrument	3889
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$102.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2089 FLAT CREEK RD LANCASTER SC 297207692, LANCASTER, SC 29720-7692

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	$2,080.00 (+9.42%)	$14,251 (+15%) Land $1,000 Building $13,251	$427,500 (+37.99%) Land $30,000 Building $397,500
2024	$1,901.00 (+0.42%)
2023	$1,893.00	$12,392 Land $1,060 Building $11,332	$309,800 Land $26,500 Building $283,300

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 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

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	0.04% 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Flat Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures