Lancaster County property record for 2643 Flat Creek Rd, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,456 sqft · built 1947 |
| Lot Size | 3.5 acres (152,460 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Jan 2023) |
| Tax Bill | $1,835 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0080K-0B-017.00 |
| Primary APN | 0080K-0B-017.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,456 sqft Living Area |
| Gross Area | 2,648 sqft |
| Flooring | Tile |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 152,460 sqft (3.5 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 12277 |
|---|---|
| Street Address | 2643 FLAT CREEK RD |
| City | LANCASTER |
| State | SC |
| Zip | 29720-7631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | PLAT 2000-118 |
| Legal Subdivision | BAKER |
| Legal Block | 1-4 |
| Legal Lot Number | 1-4 |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11001 |
2643 Flat Creek Rd is owned and occupied by two individuals who bought it in January 2023.
Source: Lancaster County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 20, 2024 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 31, 2023 | Deed, Transfer · VA Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Nov 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Mar 20, 2020 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 24, 2017 | Deed, Transfer · Conventional Mortgage FIRST OPTION MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2023 · Amount on File |
| Deed Sale | Jan 31, 2023 · Amount on File |
| Prior Sale | Mar 20, 2020 · Amount on File |
| Deed Document Number | 20231165 |
| Deed Book / Page | 1631 / 55 |
| Prior Transfer Date | Mar 12, 2013 |
| Prior Transfer Doc | 0000004139 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Document Number | 0000003173 |
|---|---|
| Date | Mar 20, 2024 |
| Book Page | 5102/127 |
| Instrument | 2024003173 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Jan 31, 2023 |
| Property Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Document Number | 0000001165 |
| Book / Page | 1631 / 55 |
| Instrument Date | Jan 26, 2023 |
| Instrument | 2023001165 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $988.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Document Number | 0000001166 |
|---|---|
| Date | Jan 31, 2023 |
| Book Page | 4902/1 |
| Instrument | 2023001166 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28207 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018198 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 3871/189 |
| Instrument | 2019018198 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Mar 20, 2020 |
| Property Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Document Number | 0000004561 |
| Book / Page | 1317 / 253 |
| Map Reference | PL 2000-118 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 2020004561 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,036.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Document Number | 0000004562 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 2020004562 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Mar 24, 2017 |
| Property Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Document Number | 0000004246 |
| Book / Page | 1041 / 285 |
| Map Reference | PL2000-118 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 2017004246 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $573.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2643 FLAT CREEK RD, LANCASTER, SC 29720-7631 |
| Document Number | 0000004247 |
|---|---|
| Date | Mar 24, 2017 |
| Instrument | 2017004247 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 2643 Flat Creek Rd was $1,835, down 18.8% from the year before.
Source: Lancaster County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Lancaster County |
| Unified School District | Lancaster County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,835.00 (-18.81%) | $12,568 Land $1,624 Building $10,944 | $314,200 Land $40,600 Building $273,600 |
| 2024 | $2,260.00 (+33.1%) | ||
| 2023 | $1,698.00 | $11,108 Land $1,432 Building $9,676 | $277,700 Land $35,800 Building $241,900 |
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.
FEMA maps place 2643 Flat Creek Rd in Zone X, an area of minimal flood risk.
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 risk around 2643 Flat Creek Rd is low, with a 0.05% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 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 |
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