4635 S Irby St, Effingham, SC 29541 Property Records

Florence County property record for 4635 S Irby St, Effingham, SC 29541

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 2,296 sqft · built 1947
Lot Size	11.8 acres (516,639 sqft)
Owner	Individual Name on Record
Tax Bill	$198 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00154-01-257`

Property Details

APN / Parcel Number

Primary APN	`00154-01-257`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,296 sqft Living Area
1st Floor Area	576 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1976
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	516,639 sqft (11.8 acres)

Utilities, Heating & Cooling

Cooling System	None
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4635 S IRBY ST
City	EFFINGHAM
State	SC
Zip	29541-3532
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	OFF S IRBY ST TR 3
Legal Tract	3
Jurisdiction	FLORENCE SC
Township / Civil Division	DANWOOD
Census Block Group	2
Census Block	2022
Census Tract	1505

Owner

Source: Florence County records, as of August 12, 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	4635 S IRBY ST, EFFINGHAM, SC 29541-3532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	4635 S IRBY ST, EFFINGHAM, SC 29541-3532
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 S IRBY ST, EFFINGHAM, SC 29541-3532

Mortgage

Document Number	0010010444
Date	Jul 6, 2022
Book Page	1001/444

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	FLORENCE, SC 29505

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$198.00	$3,376 Land $1,822 Building $1,554	$84,402 Land $45,550 Building $38,852

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 · 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 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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 68% of the US · above 89% of South Carolina
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3