Lancaster County property record for 305 Elm St, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,241 sqft · built 1910 |
| Lot Size | 0.683 acres (29,757 sqft) |
| Owner | Individual Name on File |
| Last Sale | $292,500 (Sep 2025) |
| Tax Bill | $7,016 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Apr 2024 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0081A-0K-004.00 |
| Primary APN | 0081A-0K-004.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,241 sqft Living Area |
| Gross Area | 2,795 sqft |
| Flooring | Wood |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 29,757 sqft (0.683 acres) |
| Lot Width | 96 ft Width |
| Garage Type | Carport |
| Garage Area | 312 sqft |
| Carport | Carport |
| Carport Area | 312 sqft |
| Porch | Porch |
| Porch Area | 418 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 12559 |
|---|---|
| Street Address | 305 ELM ST |
| City | LANCASTER |
| State | SC |
| Zip | 29720-2449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | 101X295X108X280 |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 10800 |
305 Elm St is owned and occupied by an individual who bought it in September 2025.
Source: Lancaster County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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 |
|---|---|
| Sep 18, 2025 | Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Apr 19, 2024 | Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC |
| Sep 2, 2022 | Deed, Transfer |
| Jun 17, 2022 | Deed of Distribution, Transfer |
| May 24, 2022 | Deed of Distribution, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2025 · Amount on File |
| Deed Sale | Sep 18, 2025 · Amount on File |
| Prior Sale | Apr 18, 2024 · Amount on File |
| Deed Document Number | 202512542 |
| Deed Book / Page | 1967 / 13 |
| Prior Transfer Date | Jun 17, 2022 |
| Prior Transfer Doc | 0000010132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Sep 18, 2025 |
| Property Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Document Number | 0000012542 |
| Book / Page | 1967 / 13 |
| Map Reference | PL 97-886 |
| Instrument Date | Sep 18, 2025 |
| Instrument | 2025012542 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $760.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Document Number | 0000012543 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 2025012543 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2024 |
| Name | Verified Name |
|---|---|
| Address | 206 PEAR TREE CT, FORT MILL, SC 29715-2342 |
| Document Number | 0000004474 |
|---|---|
| Date | Apr 19, 2024 |
| Book Page | 5116/170 |
| Instrument | 2024004474 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | 2 ALLEGHENY CTR STE 200, PITTSBURGH, PA 15212 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Sep 2, 2022 |
| Property Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Document Number | 0000014339 |
| Book / Page | 1585 / 74 |
| Map Reference | PL 97-886 |
| Instrument Date | Jul 20, 2022 |
| Instrument | 2022014339 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Jun 17, 2022 |
| Property Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Document Number | 0000010132 |
| Book / Page | 1561 / 59 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 2022010132 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 WALKER ST, FORT MILL, SC 29715-1648 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | May 24, 2022 |
| Property Address | 305 ELM ST, LANCASTER, SC 29720-2449 |
| Document Number | 0000008760 |
| Book / Page | 1553 / 210 |
| Map Reference | PL 97-886 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 2022008760 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 WALKER ST, FORT MILL, SC 29715-1648 |
The 2025 property tax bill for 305 Elm St was $7,016, up 604.4% from the year before.
Source: Lancaster County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Lancaster County |
| Municipality | Lancaster City |
| Unified School District | Lancaster County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,016.00 (+604.42%) | $16,362 (+223.1%) Land $1,200 Building $15,162 | $272,700 (+115.4%) Land $20,000 Building $252,700 |
| 2024 | $996.00 (-14.58%) | $5,064 (-) Land $388 Building $4,676 | $126,600 (-) Land $9,700 Building $116,900 |
| 2023 | $1,166.00 | $5,064 Land $388 Building $4,676 | $126,600 Land $9,700 Building $116,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 305 Elm St 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 305 Elm St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 173 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 |
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