322 E Charlotte Ave, Sumter, SC 29150 Property Records

Sumter County property record for 322 E Charlotte Ave, Sumter, SC 29150

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,175 sqft · built 1949
Lot Size	0.7 acres (30,481 sqft)
Owner	Company Name on Record
Last Sale	$59,850 (Jun 2022)
Tax Bill	$1,271 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`249-01-04-008`

Property Details

APN / Parcel Number

Primary APN	`249-01-04-008`
Alternative APN	`47959`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area
Gross Area	1,214 sqft
1st Floor Area	1,175 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1989
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,481 sqft (0.7 acres)
Lot Dimensions	112 ft deep x 112 ft wide

Exterior Amenities

Porch	Covered/Finished Porch
Shed	1 Shed
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Utility Building	42 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	47959
Street Address	322 E CHARLOTTE AVE
City	SUMTER
State	SC
Zip	29150-3640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 11 & 1/2 LOT 10 120 FT Z21-94
Legal Subdivision	H S WILLSON RLS
Legal Lot Number	10,11
Jurisdiction	SUMTER SC
Township / Civil Division	SUMTER
Census Block Group	3
Census Block	3011
Census Tract	700

Owner

Source: Sumter County records, as of April 16, 2026

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

Owner of Record	Company Name on Record
Mailing Address	19 HIGHLAND AVE SW, ROANOKE, VA 24016-4411
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM FIRST FCU
Jun 27, 2022	Warranty Deed, Transfer · Commercial Mortgage RIDGE VIEW LPO
Jul 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 8, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Prior Sale	Aug 8, 2017 · Amount on Record
Deed Book / Page	1303 / 3483
Prior Transfer Date	Jul 2, 2018
Prior Transfer Doc	0012461460
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER SC
Property Address	322 E CHARLOTTE AVE, SUMTER, SC 29150-3640
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013515473
Date	Mar 20, 2026
Book Page	1351/5473

Lender

Name	FREEDOM FIRST FCU
Type	Credit Union
Address	ROANOKE, VA 24013

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER SC
Recording Date	Jun 27, 2022
Property Address	322 E CHARLOTTE AVE, SUMTER, SC 29150-3640
Document Number	0013033483
Book / Page	1303 / 3483
Map Reference	MB Z-21 PG 94
Instrument Date	Jun 16, 2022
Transaction Type	Transfer
Record Updated	Jul 5, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3735 FRANKLIN RD SW # 253, 253, ROANOKE, VA 24014-2260
Investor	Possibly a Property Investor

Mortgage

Document Number	0013033487
Date	Jun 27, 2022
Instrument	1303/3487

Lender

Name	RIDGE VIEW LPO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMTER SC
Recording Date	Jul 12, 2018
Property Address	322 E CHARLOTTE AVE, SUMTER, SC 29150-3640
Document Number	0012461460
Book / Page	001246 / 001460
Instrument Date	Jul 2, 2018
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 OLD MANNING RD SUMTER SC 291508724, SUMTER, SC 29150-8724

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER SC
Recording Date	Aug 8, 2017
Property Address	322 E CHARLOTTE AVE, SUMTER, SC 29150-3640
Document Number	0012354849
Book / Page	001235 / 004849
Instrument Date	Aug 7, 2017
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$177.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 BROAD ST SUMTER SC 291504164, SUMTER, SC 29150-4164

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Sumter County
Municipality	Sumter City
Unified School District	Sumter County Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,271.00 (+1.03%)	$3,170 (-1.86%) Land $140 Building $3,030	$52,898 (-1.78%) Land $2,370 Building $50,528
2023	$1,258.00 (+0.88%)	$3,230 (-) Land $200 Building $3,030	$53,854 (-) Land $3,326 Building $50,528
2022	$1,247.00	$3,230 Land $200 Building $3,030	$53,854 Land $3,326 Building $50,528

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	56 (1979–2020)
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 38 claims Hurricane Hugo, Sep 1989 · 2 claims

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 62% of the US · lower than 87% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SUMTER serves 53,070 people · EPA ID SC4310001
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: FTC.

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