Lancaster County property record for 413 E Gay St, Lancaster, SC 29720
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,020 sqft · built 1965 |
| Lot Size | 0.168 acres (7,331 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $152,000 (Oct 2020) |
| Tax Bill | $1,305 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Oct 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0068O-0K-007.00 |
| Primary APN | 0068O-0K-007.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,020 sqft Living Area |
| Gross Area | 1,392 sqft |
| Flooring | Wood |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,331 sqft (0.168 acres) |
| Lot Width | 60 ft Width |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Porch | Porch |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 9657 |
|---|---|
| Street Address | 413 E GAY ST |
| City | LANCASTER |
| State | SC |
| Zip | 29720-2547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | 60.4X119.6X61.7X |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | LANCASTER SC |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1083 |
| Census Tract | 10700 |
Source: Lancaster County records, as of August 12, 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 Record |
|---|---|
| Mailing Address | 413 E GAY ST, LANCASTER, SC 29720-2547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Oct 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| May 17, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Mar 3, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on Record |
| Deed Sale | Oct 15, 2020 · Amount on Record |
| Prior Sale | Mar 3, 2017 · Amount on Record |
| Deed Document Number | 202018009 |
| Deed Book / Page | 1374 / 8 |
| Prior Transfer Date | Oct 4, 2007 |
| Prior Transfer Doc | 0000015522 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Aug 4, 2026 |
| Property Address | 413 E GAY ST, LANCASTER, SC 29720-2547 |
| Document Number | 0000011203 |
| Book / Page | 5646 / 19 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202611203 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 413 E GAY ST, LANCASTER, SC 29720-2547 |
| Document Number | 0000011203, |
|---|---|
| Date | Aug 4, 2026 |
| Book Page | 5646/19 |
| Instrument | 202611203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Oct 15, 2020 |
| Property Address | 413 E GAY ST, LANCASTER, SC 29720-2547 |
| Document Number | 0000018009 |
| Book / Page | 1374 / 8 |
| Map Reference | MB 12 PG 219 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 2020018009 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $562.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10273 LAKE SHORE DR, 10273, LANCASTER, SC 29720-7399 |
| Name | Verified Name |
|---|---|
| Address | 413 E GAY ST, LANCASTER, SC 29720-2547 |
| Document Number | 0000018010 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2020018010 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER SC |
| Property Address | 413 E GAY ST, LANCASTER, SC 29720-2547 |
| Document Number | 0000007110 |
| Instrument Date | May 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10273 LAKE SHORE DR LANCASTER SC 297207399, LANCASTER, SC 29720-7399 |
| Document Number | 0000007110 |
|---|---|
| Date | May 18, 2018 |
| Book Page | 003553/000211 |
| Instrument | 7110 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 17, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LANCASTER SC |
| Recording Date | Mar 3, 2017 |
| Property Address | 413 E GAY ST, LANCASTER, SC 29720-2547 |
| Document Number | 0000003146 |
| Book / Page | 001037 / 000124 |
| Instrument Date | Mar 2, 2017 |
| Instrument | 3146 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $88.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10273 LAKE SHORE DR LANCASTER SC 297207399, LANCASTER, SC 29720-7399 |
Source: Lancaster County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Lancaster County |
| Municipality | Lancaster City |
| Unified School District | Lancaster County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,305.00 (+12.79%) | $6,748 (+15%) Land $158 Building $6,590 | $218,000 (+48.6%) Land $5,100 Building $212,900 |
| 2024 | $1,157.00 (-11.95%) | ||
| 2023 | $1,314.00 | $5,868 Land $112 Building $5,756 | $146,700 Land $2,800 Building $143,900 |
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.
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 | 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Comporium Cable | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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