4533 Cato Rd, Effingham, SC 29541 Property Records

Florence County property record for 4533 Cato Rd, Effingham, SC 29541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,624 sqft · built 1994
Lot Size	3.01 acres (131,116 sqft)
Owner	Individual Name on Record
Last Sale	$589,900 (Sep 2023)
Tax Bill	$12,013 (2025)
Deeds & Mortgages	Sep 2023 Sale Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00213-01-110`

Property Details

APN / Parcel Number

Primary APN	`00213-01-110`
Alternative APN	`15002865`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,624 sqft Living Area
1st Floor Area	2,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	131,116 sqft (3.01 acres)
Garage Type	Mixed
Garage Area	1,280 sqft
Parking Spaces	9 Parking Spaces
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4533 CATO RD
City	EFFINGHAM
State	SC
Zip	29541-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CATO RD LT B
Legal Subdivision	SURVEYED FOR DEERWOOD INC
Legal Lot Number	B
Jurisdiction	FLORENCE SC
Township / Civil Division	PAMPLICO
Census Block Group	3
Census Block	3027
Census Tract	1601

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	4509 S IRBY ST, EFFINGHAM, SC 29541-3533
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Transfer
Apr 1, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Prior Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	202311698
Deed Book / Page	1067 / 235
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Sep 11, 2023
Property Address	4533 CATO RD, EFFINGHAM, SC 29541-3722
Document Number	0010670235
Book / Page	1067 / 235
Map Reference	MB 96 PG 314
Instrument Date	Sep 11, 2023
Instrument	2023-00011698
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
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	4509 S IRBY ST, EFFINGHAM, SC 29541-3533

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Apr 1, 2022
Property Address	4533 CATO RD, EFFINGHAM, SC 29541-3722
Document Number	0009850421
Book / Page	985 / 421
Map Reference	MB 96 PG 314
Instrument Date	Mar 31, 2022
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
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	4533 CAM ROAD, EFFINGHAM, SC 29541

Mortgage

Document Number	0000985426
Date	Apr 1, 2022
Instrument	985/426

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,013.00 (+521.79%)	$23,110 (-99.86%) Land $1,262 Building $21,848	$577,752 (-98.64%) Land $31,550 Building $546,202
2023	$1,932.00 (+4%) Homeowner's exemption	$17,034,761 (+139,050.15%) Land $962,000 Building $16,072,761	$42,586,903 (+13,814.92%) Land $2,405,000 Building $40,181,903
2022	$1,380.00 Homeowner's exemption	$12,242 Land $662 Building $11,580	$306,052 Land $16,550 Building $289,502

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2015–2018)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 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	Moderate above 67% of the US · above 88% of South Carolina
Wildfire Likelihood	0.2% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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