Lancaster County property record for 3927 Flat Creek Rd, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,440 sqft · built 1955 |
| Lot Size | 5.65 acres (246,114 sqft) |
| Owner | Individual Name on File |
| Last Sale | $228,000 (Oct 2023) |
| Tax Bill | $1,133 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Jul 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0089-00-049.00 |
| Primary APN | 0089-00-049.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 1,762 sqft |
| Flooring | Wood |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 246,114 sqft (5.65 acres) |
| Porch | Porch |
| Porch Area | 112 sqft |
| Deck Area | 210 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 18017 |
|---|---|
| Street Address | 3927 FLAT CREEK RD |
| City | LANCASTER |
| State | SC |
| Zip | 29720-0620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Subdivision | JOHN E SAMLL ESTATE |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 11001 |
3927 Flat Creek Rd is owned and occupied by an individual who bought it in October 2023.
Source: Lancaster County records, as of October 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Jul 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 7, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Jan 2, 2020 | Deed, Transfer · Conventional Mortgage UWHARRIE BANK |
| Jul 29, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Feb 21, 2019 | Grant Deed, Transfer · Line of Credit USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2023 · Amount on File |
| Deed Sale | Oct 16, 2023 · Amount on File |
| Prior Sale | Jan 2, 2020 · Amount on File |
| Deed Document Number | 202312984 |
| Deed Book / Page | 1718 / 240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000012985 |
|---|---|
| Date | Oct 16, 2023 |
| Book Page | 5036/190 |
| Instrument | 2023012985 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014560 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | 4466/229 |
| Instrument | 2021014560 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 344 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009835 |
|---|---|
| Date | Jul 7, 2017 |
| Book Page | MORT 3385/157 |
| Instrument | 2017009835 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 7, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Jan 2, 2020 |
| Property Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Document Number | 0000000035 |
| Book / Page | 1296 / 232 |
| Map Reference | MB 19 PG 157 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 2020000035 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $647.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Document Number | 0000000036 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 2020000036 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Jul 29, 2019 |
| Property Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Document Number | 0000011197 |
| Book / Page | 001257 / 000013 |
| Instrument Date | Jul 25, 2019 |
| Instrument | 11197 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $518.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 500 WESTOVER DR #14104 SANFORD NC 273308941, 14104, SANFORD, NC 27330-8941 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Feb 21, 2019 |
| Property Address | 3927 FLAT CREEK RD, LANCASTER, SC 29720-0620 |
| Document Number | 0000002484 |
| Book / Page | 001211 / 000321 |
| Instrument Date | Feb 8, 2019 |
| Instrument | 2484 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $294.15 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3927 FLAT CREEK RD LANCASTER SC 297200620, LANCASTER, SC 29720-0620 |
| Document Number | 2485 |
|---|---|
| Date | Feb 21, 2019 |
| Book Page | 003693/000035 |
| Instrument | 2485 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3927 Flat Creek Rd was $1,133, down 74.1% from the year before.
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 | $1,133.00 (-74.09%) | $9,338 Land $2,102 Building $7,236 | $230,600 Land $49,700 Building $180,900 |
| 2024 | $4,372.00 (+286.9%) | ||
| 2023 | $1,130.00 | $7,092 Land $1,620 Building $5,472 | $175,100 Land $38,300 Building $136,800 |
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.
FEMA maps place 3927 Flat Creek Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3927 Flat Creek Rd is low, with a 0.03% 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 | 0.03% 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 9 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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