Lancaster County property record for 3540 Flat Creek Rd, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 2,206 sqft |
| Lot Size | 12 acres (523,591 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,603 (2025) |
| Deeds & Mortgages | Jan 2024 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0079-00-144.02 |
| Primary APN | 0079-00-144.02 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 2,206 sqft Living Area |
| Gross Area | 3,501 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 523,591 sqft (12 acres) |
| Garage Area | 775 sqft |
| Account Number | 102856 |
|---|---|
| Street Address | 3540 FLAT CREEK RD |
| City | LANCASTER |
| State | SC |
| Zip | 29720-7430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | B |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 11001 |
Source: Lancaster County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3540 FLAT CREEK RD, LANCASTER, SC 29720-7430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 3540 FLAT CREEK RD, LANCASTER, SC 29720-7430 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3488 FLAT CREEK RD, LANCASTER, SC 29720-7429 |
| Document Number | 0000000293 |
|---|---|
| Date | Jan 9, 2024 |
| Book Page | 5072/313 |
| Instrument | 2024000293 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.35% |
| Type Change Date | Feb 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.35% |
| Max Rate At Change | 9.35% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 12.3% |
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 | $2,603.00 | $17,774 Land $310 Building $17,464 | $444,344 Land $90,972 Building $353,372 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 78% 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: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| RiverNet Connect Fiber | 1,000 / 1,000 |
| Comporium Cable | 1,000 / 100 |
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