4618 Cato Rd, Effingham, SC 29541 Property Records

Florence County property record for 4618 Cato Rd, Effingham, SC 29541

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 4,458 sqft · built 1970
Lot Size	6.41 acres (279,220 sqft)
Owner	Individual Name on Record
Tax Bill	$966 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00213-01-085`

Property Details

APN / Parcel Number

Primary APN	`00213-01-085`
Alternative APN	`15009179`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,458 sqft Living Area
1st Floor Area	2,229 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	279,220 sqft (6.41 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4618 CATO RD
City	EFFINGHAM
State	SC
Zip	29541-3718
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	OFF ST HWY 51
Jurisdiction	FLORENCE SC
Township / Civil Division	PAMPLICO
Census Block Group	2
Census Block	2003
Census Tract	1602

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	4618 CATO RD, EFFINGHAM, SC 29541-3718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Recording Date	Jun 22, 2026
Property Address	4618 CATO RD, EFFINGHAM, SC 29541-3718
Document Number	0000008423
Book / Page	1223 / 87
Instrument Date	Jun 10, 2026
Instrument	20268423
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4618 CATO RD, EFFINGHAM, SC 29541-3718

Mortgage

Document Number	0000008423,
Date	Jun 22, 2026
Book Page	1223/87
Instrument	20268423

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2056

Interest

Rate	6.36%
Max Rate	-1%

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	$966.00 (+1.79%)	$8,847 (-99.87%) Land $1,344 Building $7,503	$221,184 (-98.65%) Land $33,600 Building $187,584
2023	$949.00 (+11.65%) Homeowner's exemption	$6,565,561 (+99,893.31%) Land $1,344,000 Building $5,221,561	$16,413,903 (+9,9%) Land $3,360,000 Building $13,053,903
2022	$850.00 Homeowner's exemption	$6,566 Land $1,344 Building $5,222	$164,139 Land $33,600 Building $130,539

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 74% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cato Rd

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