2539 Thames Ct, Lancaster, SC 29720 Property Records

Lancaster County property record for 2539 Thames Ct, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,219 sqft · built 2002
Lot Size	0.251 acres (10,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$134,900 (Sep 2018)
Tax Bill	$943 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0080L-0A-018.00`

Property Details

APN / Parcel Number

Primary APN	`0080L-0A-018.00`
Alternative APN	`76601`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,219 sqft Living Area
Gross Area	1,782 sqft
Flooring	Carpet

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,950 sqft (0.251 acres)
Garage Area	528 sqft
Porch	Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	76601
Street Address	2539 THAMES CT
City	LANCASTER
State	SC
Zip	29720-7891
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	63X155X63X157
Legal Subdivision	WHITE
Legal Block	18
Legal Lot Number	18
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3002
Census Tract	11001

Owner

Source: Lancaster County records, as of August 17, 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	2539 THAMES CT, LANCASTER, SC 29720-7891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 13, 2018	Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2018 · Amount on Record
Deed Sale	Sep 13, 2018 · Amount on Record
Prior Sale	Sep 30, 2014 · Amount on Record
Deed Document Number	201813329
Deed Book / Page	1171 / 245
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Recording Date	Jul 22, 2026
Property Address	2539 THAMES CT, LANCASTER, SC 29720-7891
Document Number	0000010480
Book / Page	5636 / 159
Instrument Date	Jul 15, 2026
Instrument	202610480
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2539 THAMES CT, LANCASTER, SC 29720-7891

Mortgage

Document Number	0000010480,
Date	Jul 22, 2026
Book Page	5636/159
Instrument	202610480

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Sep 13, 2018
Property Address	2539 THAMES CT, LANCASTER, SC 29720-7891
Document Number	0000013329
Book / Page	1171 / 245
Map Reference	MB2005 PG103
Instrument Date	Sep 6, 2018
Instrument	2018013329
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$499.50
Amount Accuracy	Full Amount Stated
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	2539 THAMES CT, LANCASTER, SC 29720-7891

Mortgage

Document Number	0000013330
Date	Sep 13, 2018
Instrument	2018013330

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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	$943.00 (+9.4%)	$6,459 (+15.01%) Land $1,390 Building $5,069	$232,400 (+65.53%) Land $50,000 Building $182,400
2024	$862.00 (+0.35%)
2023	$859.00	$5,616 Land $800 Building $4,816	$140,400 Land $20,000 Building $120,400

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 66% of the US · lower than 93% 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	LANCASTER COUNTY W&SD serves 79,107 people · EPA ID SC2920001
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Feb 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 87 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

Cell Coverage

5G (outdoors only) and 4G LTE

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