Sumter County property record for 395 E Emerald Lake Dr, Sumter, SC 29153 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,704 sqft · built 1989 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Dec 2025) |
| Tax Bill | $5,451 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 242-00-02-095 |
| Primary APN | 242-00-02-095 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,704 sqft Living Area |
| 1st Floor Area | 2,704 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 48,352 sqft (1.11 acres) |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Fence | Fence |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Utility Building | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 45675 |
|---|---|
| Old Parcel Number | 242 00 02 095 |
| Street Address | 395 E EMERALD LAKE DR |
| City | SUMTER |
| State | SC |
| Zip | 29153-8673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 PB89-111 1.11 AC PB89-1129 |
| Legal Subdivision | EMERALD LAKE |
| Legal Lot Number | 9 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SUMTER NORTHEAST |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 402 |
Source: Sumter County records · APN 242-00-02-095
Assessment roll updated September 13, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 395 E EMERALD LAKE DR, SUMTER, SC 29153-8673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 02, 2025 | Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Oct 13, 2020 | Deed, Transfer · VA Mortgage USAA FSB |
| Aug 28, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 02, 2025 · Amount on Record |
| Deed Sale | Dec 02, 2025 · Amount on Record |
| Prior Sale | Oct 13, 2020 · Amount on Record |
| Deed Document Number | 0013473742 |
| Deed Book / Page | 1347 / 3742 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Dec 02, 2025 |
| Property Address | 395 E EMERALD LAKE DR, SUMTER, SC 29153-8673 |
| Document Number | 0013473742 |
| Book / Page | 1347 / 3742 |
| Map Reference | MB PB 2001 PG 812 |
| Instrument Date | Nov 20, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Title Company | C & C |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $962.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 395 E EMERALD LAKE DR, SUMTER, SC 29153-8673 |
| Document Number | 0013473746 |
|---|---|
| Date | Dec 02, 2025 |
| Instrument | 1347/3746 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Number | 0013473762 |
|---|---|
| Date | Dec 02, 2025 |
| Book Page | 1347/3762 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LYNNFIELD, MA 01940 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Oct 13, 2020 |
| Property Address | 395 E EMERALD LAKE DR, SUMTER, SC 29153-8673 |
| Document Number | 0012750676 |
| Book / Page | 1275 / 676 |
| Map Reference | MB PB2001 PG 812 |
| Instrument Date | Oct 09, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,017.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 395 E EMERALD LAKE DR, SUMTER, SC 29153-8673 |
| Document Number | 0012750680 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 1275/680 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Aug 28, 2019 |
| Property Address | 395 E EMERALD LAKE DR, SUMTER, SC 29153-8673 |
| Document Number | 0012591255 |
| Book / Page | 001259 / 001255 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 166 OAKDALE CIR LYNCHBURG VA 245023422, LYNCHBURG, VA 24502-3422 |
Source: Sumter County records · Assessment roll updated September 13, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Sumter County |
| Unified School District | Sumter County Consolidated School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,451.00 (+219.33%) Homeowner's exemption | $16,450 (+49.95%) Land $3,360 Building $13,090 | $274,221 (-) Land $56,000 Building $218,221 |
| 2023 | $10,970 (-) Land $2,240 Building $8,730 | $274,221 (-) Land $56,000 Building $218,221 | |
| 2022 | $1,707.00 | $10,970 Land $2,240 Building $8,730 | $274,221 Land $56,000 Building $218,221 |
Source: FEMA National Flood Hazard Layer, Sumter County (45085C), updated January 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450850004021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2015, river or lake flooding, Severe Storms And Flooding |
| Wildfire Risk | Moderate above 58% of the US · above 74% of South Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 725 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 33 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Farmers Telephone Cooperative, Inc. (SC) | Fiber | 1,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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