2281 Flat Creek Rd, Lancaster, SC 29720 Property Records

Lancaster County property record for 2281 Flat Creek Rd, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,021 sqft · built 1993
Lot Size	2.77 acres (120,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2017)
Tax Bill	$2,288 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0080-00-038.00`

Property Details

APN / Parcel Number

Primary APN	`0080-00-038.00`
Alternative APNs	`00800 00 038.00` `11883`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,021 sqft Living Area
Gross Area	3,563 sqft
Flooring	Wood

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	120,661 sqft (2.77 acres)
Garage Type	Mixed
Garage Area	528 sqft
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	11883
Street Address	2281 FLAT CREEK RD
City	LANCASTER
State	SC
Zip	29720-7627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2018
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	2281 FLAT CREEK RD, LANCASTER, SC 29720-7627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 28, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 25, 2017	Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2017 · Amount on Record
Deed Sale	Jul 25, 2017 · Amount on Record
Deed Document Number	201710750
Deed Book / Page	1070 / 145
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	2281 FLAT CREEK RD, LANCASTER, SC 29720-7627
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015314
Date	Jul 27, 2021
Book Page	4477/42
Instrument	2021015314

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	2281 FLAT CREEK RD, LANCASTER, SC 29720-7627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003385
Date	Feb 28, 2020
Book Page	3937/259
Instrument	2020003385

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Jul 25, 2017
Property Address	2281 FLAT CREEK RD, LANCASTER, SC 29720-7627
Document Number	0000010750
Book / Page	1070 / 145
Instrument Date	Jul 25, 2017
Instrument	2017010750
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2281 FLAT CREEK RD, LANCASTER, SC 29720-7627

Mortgage

Document Number	0000010751
Date	Jul 25, 2017
Book Page	3396/001
Instrument	2017010751

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

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	$2,288.00 (+9.37%)	$15,672 (+15%) Land $852 Building $14,820	$559,200 (+64.13%) Land $30,400 Building $528,800
2024	$2,092.00 (+0.43%)
2023	$2,083.00	$13,628 Land $1,072 Building $12,556	$340,700 Land $26,800 Building $313,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 64% of the US · lower than 91% of South Carolina
Wildfire Likelihood	0.05% 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 6 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

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