3 Garden Cir, Cheraw, SC 29520 Property Records

Chesterfield County property record for 3 Garden Cir, Cheraw, SC 29520

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,220 sqft · built 1969
Lot Size	0.305 acres (13,288 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Mar 2020)
Tax Bill	$1,359 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258 016 004 028`

Property Details

APN / Parcel Number

Primary APN	`258 016 004 028`
Alternative APNs	`00034894` `02061693` `2061693`

Interior

Full Baths	3 Baths
Stories	15 Stories
Building Area	3,220 sqft Total Area
1st Floor Area	2,147 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	13,288 sqft (0.305 acres)

Location & Zoning

Account Number	00034894
Street Address	3 GARDEN CIR
City	CHERAW
State	SC
Zip	29520-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1L
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	CHERAW
Census Block Group	1
Census Block	1050
Census Tract	950504

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cheraw Historic District listed 1974 · 40 contributing resources · NRIS 74001844

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Chesterfield County records, as of February 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3 GARDEN CIR, CHERAW, SC 29520-2305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 3, 2020	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Dec 21, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2020 · Amount on Record
Deed Sale	Mar 3, 2020 · Amount on Record
Prior Sale	Aug 2, 2005 · Amount on Record
Deed Document Number	2020773
Deed Book / Page	527 / 803
Prior Transfer Date	Dec 21, 2017
Prior Transfer Doc	00510/0271
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	3 GARDEN CIR, CHERAW, SC 29520-2305
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00542/1034
Date	Mar 3, 2023
Book Page	542/1034
Instrument	2023-858

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Mar 3, 2020
Property Address	3 GARDEN CIR, CHERAW, SC 29520-2305
Document Number	000527/803
Book / Page	527 / 803
Map Reference	MB 45 PG 69
Instrument Date	Mar 2, 2020
Instrument	202000000773
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.80
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 GARDEN CIR, CHERAW, SC 29520-2305

Mortgage

Document Number	202000000774
Date	Mar 3, 2020
Instrument	202000000774

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESTERFIELD SC
Recording Date	Dec 21, 2017
Property Address	3 GARDEN CIR, CHERAW, SC 29520-2305
Document Number	00510/0271
Book / Page	510 / 0271
Instrument Date	Dec 21, 2017
Instrument	201700004797
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1285 BIG SWAMP RD, PAMPLICO, SC 29583-5430

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Chesterfield County
Municipality	Cheraw Town
Unified School District	Chesterfield County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,359.00 (+19.95%)	$6,260 (+15.07%) Land $280 Building $5,980	$193,000 (+41.91%) Land $7,000 Building $186,000
2023	$1,133.00	$5,440 Land $280 Building $5,160	$136,000 Land $7,000 Building $129,000

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 March 25, 2025 · 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 Policies	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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 64% of the US · lower than 90% 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	TOWN OF CHERAW serves 6,325 people · EPA ID SC1310001
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Sandhill Telephone Cooperative.

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