4684 Cato Rd, Effingham, SC 29541 Property Records

Florence County property record for 4684 Cato Rd, Effingham, SC 29541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1992
Lot Size	3.34 acres (145,490 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Aug 2020)
Tax Bill	$711 (2025)
Deeds & Mortgages	Aug 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00213-01-103`

Property Details

APN / Parcel Number

Primary APN	`00213-01-103`
Alternative APN	`15041208`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	145,490 sqft (3.34 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4684 CATO RD
City	EFFINGHAM
State	SC
Zip	29541-3718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF ST HWY 1107 R/W
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	4684 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
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Prior Sale	Aug 3, 2020 · Amount on Record
Deed Book / Page	867 / 545
Prior Transfer Date	Feb 17, 2016
Prior Transfer Doc	0006170370
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE SC
Recording Date	Aug 3, 2020
Property Address	4684 CATO RD, EFFINGHAM, SC 29541-3718
Document Number	0000010306
Book / Page	000867 / 000545
Instrument Date	Jul 31, 2020
Instrument	10306
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4684 CATO RD EFFINGHAM SC 295413718, EFFINGHAM, SC 29541-3718

Mortgage

Document Number	10307
Date	Aug 3, 2020
Book Page	000867/000550
Instrument	10307

Lender

Name	CITIZENS BK
Type	Bank
Address	MURRELLS INLET, SC 29576

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

Interest

Rate Type	Adjustable Rate

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	$711.00	$7,050 (-99.87%) Land $1,262 Building $5,788	$176,263 (-98.69%) Land $31,550 Building $144,713
2023	$711.00 (+17.52%) Homeowner's exemption	$5,373,676 (+99,893.97%) Land $688,800 Building $4,684,876	$13,434,191 (+9,899.99%) Land $1,722,000 Building $11,712,191
2022	$605.00 Homeowner's exemption	$5,374 Land $689 Building $4,685	$134,342 Land $17,220 Building $117,122

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

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 56% of the US · above 71% 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 23 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

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