438 S Thomas Rd, Florence, SC 29501 Property Records

Florence County property record for 438 S Thomas Rd, Florence, SC 29501

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,529 sqft · built 2015
Lot Size	0.363 acres (15,850 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Aug 2018)
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`90019-02-022`

Property Details

APN / Parcel Number

Primary APN	`90019-02-022`
Alternative APN	`15000453`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,529 sqft Living Area
1st Floor Area	2,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Construction Type	Frame
Lot Area	15,850 sqft (0.363 acres)
Garage Type	Basement
Garage Area	508 sqft

Utilities, Heating & Cooling

Sewer	Municipal

Location & Zoning

Street Address	438 S THOMAS RD
City	FLORENCE
State	SC
Zip	29501-5439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS LT 22
Legal Subdivision	COUNTRY CLUB FOREST
Legal Lot Number	22
Jurisdiction	FLORENCE SC
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1017
Census Tract	1200

Owner

Source: Florence County records, as of June 5, 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	438 S THOMAS RD, FLORENCE, SC 29501-5439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2018 · Amount on Record
Deed Sale	Aug 13, 2018 · Amount on Record
Prior Sale	May 21, 2015 · Amount on Record
Deed Book / Page	758 / 1658
Record Updated	Sep 20, 2026

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLORENCE SC
Recording Date	Aug 13, 2018
Property Address	438 S THOMAS RD, FLORENCE, SC 29501-5439
Document Number	0007581658
Book / Page	758 / 1658
Map Reference	MB102 PG340
Instrument Date	Aug 10, 2018
Transaction Type	Transfer
Record Updated	Mar 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 S THOMAS RD, FLORENCE, SC 29501-5439

Mortgage

Document Number	0007581663
Date	Aug 13, 2018
Instrument	758/1663

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	10%

Tax Assessment & Valuation

Source: Florence County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Florence County
Municipality	Florence City
Unified School District	Florence School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,866.00 (+32.53%)	$17,762 (-99.86%) Land $1,600 Building $16,162	$444,052 (-98.6%) Land $40,000 Building $404,052
2023	$1,408.00 (-2.09%) Homeowner's exemption	$12,711,439 (+99,903.45%) Land $1,600,000 Building $11,111,439	$31,778,598 (+9,9%) Land $4,000,000 Building $27,778,598
2022	$1,438.00 Homeowner's exemption	$12,711 Land $1,600 Building $11,111	$317,786 Land $40,000 Building $277,786

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 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	12 (1987–2018)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Jul 2018 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 4 claims Severe Storms And Flooding, Oct 2015 · 2 claims

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 96% of the US · lower than 98.9% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20