3812 Orchard Rd, Cheraw, SC 29520 Property Records

Chesterfield County property record for 3812 Orchard Rd, Cheraw, SC 29520

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,866 sqft · built 1996
Lot Size	4.22 acres (183,823 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,000 (Sep 2022)
Tax Bill	$946 (2025)
Deeds & Mortgages	Jul 2013 Mortgage Apr 2012 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`224 000 000 161`

Property Details

APN / Parcel Number

Primary APN	`224 000 000 161`
Alternative APNs	`00029447` `02753395` `2753395`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,866 sqft Total Area
1st Floor Area	1,866 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	183,823 sqft (4.22 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	00029447
Street Address	3812 ORCHARD RD
City	CHERAW
State	SC
Zip	29520-5693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.22 AC
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	CHERAW
Census Block Group	2
Census Block	2005
Census Tract	950501

Owner

Source: Chesterfield County records, as of April 6, 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	3812 ORCHARD RD, CHERAW, SC 29520-5693
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2013	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK AND TRUST CO INC
Apr 4, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK AND TRUST CO INC
May 12, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK AND TRUST CO INC
Feb 20, 2025	Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU
Sep 16, 2022	Deed, Transfer · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC
Mar 3, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Prior Sale	Mar 3, 2022 · Amount on Record
Deed Document Number	20223980
Deed Book / Page	549 / 999
Prior Transfer Date	Feb 24, 2022
Prior Transfer Doc	00544/1414
Record Updated	Sep 20, 2026

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	3812 ORCHARD RD, CHERAW, SC 29520-5693
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00467/0031
Date	Jul 16, 2013
Book Page	467/0031
Instrument	201300002450

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	CHERAW, SC 29520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2023

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	3812 ORCHARD RD, CHERAW, SC 29520-5693
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00458/0142
Date	Apr 4, 2012
Book Page	458/0142
Instrument	201200001243

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	COLUMBIA, SC 29201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2027

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	3812 ORCHARD RD, CHERAW, SC 29520-5693
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00439/1269
Date	May 12, 2009
Book Page	439/1269
Instrument	200900001682

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	COLUMBIA, SC 29201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2029

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	3812 ORCHARD RD, CHERAW, SC 29520-5693
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000558/837
Date	Feb 20, 2025
Book Page	558/837
Instrument	2025-592

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	737 PLANTATION RD, LANCASTER, SC 29720

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 5, 2050

Interest

Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Sep 16, 2022
Property Address	3812 ORCHARD RD, CHERAW, SC 29520-5693
Document Number	000549/999
Book / Page	549 / 999
Map Reference	MB 42 PG 141
Instrument Date	Sep 15, 2022
Instrument	2022-3980
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$837.20
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3812 ORCHARD RD, CHERAW, SC 29520-5693

Mortgage

Document Number	0020223981
Date	Sep 16, 2022
Instrument	2022-3981

Lender

Name	RESOURCE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESTERFIELD SC
Recording Date	Mar 3, 2022
Property Address	3812 ORCHARD RD, CHERAW, SC 29520-5693
Document Number	00544/1414
Book / Page	544 / 1414
Instrument Date	Feb 24, 2022
Instrument	202200001000
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3812 ORCHARD RD, CHERAW, SC 29520-5693

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$946.00 (+31.57%)	$7,070 (+14.96%) Land $770 Building $6,300	$265,000 (+2.91%) Land $21,000 Building $244,000
2023	$719.00	$6,150 Land $670 Building $5,480	$257,500 Land $16,800 Building $240,700

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · above 84% of South Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sandhill Telephone Cooperative Fiber	1,000 / 1,000
RiverNet Connect Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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