412 Ruth St, Lancaster, SC 29720 Property Records

Lancaster County property record for 412 Ruth St, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,025 sqft · built 1951
Lot Size	0.247 acres (10,768 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jul 2023)
Tax Bill	$1,706 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0068I-0H-008.00`

Property Details

APN / Parcel Number

Primary APN	`0068I-0H-008.00`
Alternative APN	`8854`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,025 sqft Living Area
Gross Area	1,166 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,768 sqft (0.247 acres)
Lot Width	62.6 ft Width
Porch	Porch
Porch Area	60 sqft

Location & Zoning

Account Number	8854
Street Address	412 RUTH ST
City	LANCASTER
State	SC
Zip	29720-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	75X164X50X115X50
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1033
Census Tract	10700

Owner

Source: Lancaster County records, as of May 27, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	412 RUTH ST, LANCASTER, SC 29720-3411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit CAROLINA HARD MONEY
Jul 24, 2023	Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU
Aug 24, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 26, 2022	Warranty Deed, Transfer
Feb 13, 2017	Loan Modification, Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2023 · Amount on Record
Deed Sale	Jul 24, 2023 · Amount on Record
Prior Sale	Jul 26, 2022 · Amount on Record
Deed Document Number	20239099
Deed Book / Page	1689 / 233
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	412 RUTH ST, LANCASTER, SC 29720-3411
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015028
Date	Sep 16, 2022
Book Page	4828/328
Instrument	2022015028

Lender

Name	CAROLINA HARD MONEY
Type	Non-Lending Institution
Address	ROCK HILL, SC 29730

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2023

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER SC
Recording Date	Jul 24, 2023
Property Address	412 RUTH ST, LANCASTER, SC 29720-3411
Document Number	0000009099
Book / Page	1689 / 233
Instrument Date	Jul 21, 2023
Instrument	2023009099
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$572.00
Amount Accuracy	Full Amount Stated
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	412 RUTH ST, LANCASTER, SC 29720-3411

Mortgage

Document Number	0000009100
Date	Jul 24, 2023
Instrument	2023009100

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	10-Year TN
Max Rate	13.5%

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER SC
Recording Date	Aug 24, 2022
Property Address	412 RUTH ST, LANCASTER, SC 29720-3411
Document Number	0000013886
Book / Page	1582 / 321
Instrument Date	Aug 24, 2022
Instrument	2022013886
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 HIGHWAY 160 W # 105-18, 105, FORT MILL, SC 29708-8010

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER SC
Recording Date	Jul 26, 2022
Property Address	412 RUTH ST, LANCASTER, SC 29720-3411
Document Number	0000012274
Book / Page	1573 / 308
Instrument Date	Jul 26, 2022
Instrument	2022012274
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Amount	Amount Recorded
Tax	$23.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1141 ARNESBURY COURT, CLOVER, SC 29710
Investor	Possibly a Property Investor

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANCASTER SC
Property Address	412 RUTH ST, LANCASTER, SC 29720-3411
Document Number	0000002137
Book / Page	003306 / 000318
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	412 RUTH ST LANCASTER SC 297203411, LANCASTER, SC 29720-3411

Mortgage

Document Number	0000002137
Date	Feb 14, 2017
Book Page	003306/000318
Instrument	2137

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COLUMBIA, SC 29210

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Feb 13, 2020

Tax Assessment & Valuation

Source: Lancaster County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,706.00 (-0.29%)	$8,816 (+1,736.67%) Land $1,200 Building $7,616	$220,400 (+2,655%) Land $30,000 Building $190,400
2024	$1,711.00 (+703.29%)
2023	$213.00	$480 Land $480	$8,000 (+158.06%) Land $8,000
2022	Additional exemption filed		$3,100 Land $3,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1997 · river or lake flooding

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 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.01% 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 LANCASTER serves 14,074 people · EPA ID SC2910001
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable · Fiber in parts of the area	1,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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