Lancaster County property record for 2857 Flat Creek Rd, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,247 sqft · built 2002 |
| Lot Size | 0.82 acres (35,719 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $15,000 (Jan 2026) |
| Tax Bill | $2,095 (2025) |
| Deeds & Mortgages | Jan 2026 Sale Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0080-00-059.04 |
| Primary APN | 0080-00-059.04 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,247 sqft Living Area |
| Gross Area | 3,114 sqft |
| Flooring | Wood |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 35,719 sqft (0.82 acres) |
| Garage Area | 483 sqft |
| Porch | Porch |
| Porch Area | 644 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 76472 |
|---|---|
| Street Address | 2857 FLAT CREEK RD |
| City | LANCASTER |
| State | SC |
| Zip | 29720-7633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Subdivision | SURVEY FOR DONALD F SMALL SR |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11001 |
2857 Flat Creek Rd is owned and occupied by two individuals who bought it in January 2026.
Source: Lancaster County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jan 20, 2026 | Warranty Deed, Transfer |
| Nov 17, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 18, 2023 | Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Feb 10, 2022 | Deed of Distribution, Transfer |
| Nov 14, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2026 · Amount on File |
| Deed Sale | Jan 20, 2026 · Amount on File |
| Prior Sale | Aug 18, 2023 · Amount on File |
| Deed Document Number | 2026793 |
| Deed Book / Page | 2015 / 1 |
| Prior Transfer Date | Feb 9, 2022 |
| Prior Transfer Doc | 0000002243 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Jan 20, 2026 |
| Property Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Document Number | 0000000793 |
| Book / Page | 2015 / 1 |
| Instrument Date | Jan 19, 2026 |
| Instrument | 2026000793 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $39.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Document Number | 0000015502 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 5464/237 |
| Instrument | 2025015502 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Aug 18, 2023 |
| Property Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Document Number | 0000010410 |
| Book / Page | 1699 / 95 |
| Map Reference | PL 2001-280 |
| Instrument Date | Aug 18, 2023 |
| Instrument | 2023010410 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $917.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Document Number | 0000010411 |
|---|---|
| Date | Aug 18, 2023 |
| Instrument | 2023010411 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Feb 10, 2022 |
| Property Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Document Number | 0000002243 |
| Book / Page | 1516 / 326 |
| Map Reference | PL 2001-280 |
| Instrument Date | Feb 9, 2022 |
| Instrument | 2022002243 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1418 POWDERHORN RD, LANCASTER, SC 29720-1680 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Nov 14, 2019 |
| Property Address | 2857 FLAT CREEK RD, LANCASTER, SC 29720-7633 |
| Document Number | 0000017370 |
| Book / Page | 001284 / 000070 |
| Instrument Date | Nov 13, 2019 |
| Instrument | 17370 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2857 FLAT CREEK RD LANCASTER SC 297207633, LANCASTER, SC 29720-7633 |
The 2025 property tax bill for 2857 Flat Creek Rd was $2,095, down 1.4% 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 | $2,095.00 (-1.41%) | $14,352 (+3.61%) Land $1,600 Building $12,752 | $358,800 (+3.61%) Land $40,000 Building $318,800 |
| 2024 | $2,125.00 (+69.05%) | $13,852 (+68.27%) Land $1,600 Building $12,252 | $346,300 (+68.27%) Land $40,000 Building $306,300 |
| 2023 | $1,257.00 (-69.14%) | $8,232 (-33.33%) Land $492 Building $7,740 | $205,800 (-) Land $12,300 Building $193,500 |
| 2022 | $4,073.00 | $12,348 Land $738 Building $11,610 | $205,800 Land $12,300 Building $193,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2857 Flat Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 2857 Flat Creek Rd is low, with a 0.04% annual chance of 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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures