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4978 Riverside Rd, Lancaster, SC 29720 Property Records

Lancaster County property record for 4978 Riverside Rd, Lancaster, SC 29720 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,145 sqft · built 1982
Lot Size3.08 acres (134,165 sqft)
Owner2 Individual Names on File
Last Sale$221,000 (Mar 2012)
Tax Bill$6,496 (2025)
Deeds & MortgagesSep 2025 Mortgage
Nov 2021 Second Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN0028-00-009.01

Property Details

APN / Parcel Number

Primary APN0028-00-009.01
Alternative APNs
  • 00280 00 009.01
  • 2532

Interior

Full Baths2 Baths
Stories1 Story
Building Area2,145 sqft Living Area
Gross Area4,249 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 2000
Exterior MaterialWood Siding
Construction TypeWood
Roof TypeGable
Roof MaterialWood Shingle
Lot Area134,165 sqft (3.08 acres)
Garage TypeCarport
Garage Area484 sqft
CarportCarport
Carport Area484 sqft
PorchPorch
Porch Area1,032 sqft
Deck Area324 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number2532
Street Address4978 RIVERSIDE RD
CityLANCASTER
StateSC
Zip29720-7771
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionPROPERTY OF DAVID M & SUSAN SMUDA
JurisdictionLANCASTER SC
Township / Civil DivisionVAN WYCK
Census Block Group3
Census Block3077
Census Tract11209

Owner

Source: Lancaster County records · APN 0028-00-009.01

Assessment roll updated March 27, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4978 RIVERSIDE RD, LANCASTER, SC 29720-7771
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 23, 2025Deed of Trust, Mortgage · FHA Mortgage
SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 16, 2021Deed of Trust, Mortgage · Stand-Alone Second Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 26, 2020Deed of Trust, Mortgage · FHA Mortgage
AMERICAN SECURITY MORTGAGE CORP
Aug 26, 2020Grant Deed, Transfer · VA Mortgage
USAA FED'L SVGS BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 23, 2012 · Amount on Record
Deed SaleMar 23, 2012 · Amount on Record
Deed Document Number20123674
Deed Book / Page659 / 102
Prior Transfer DateFeb 21, 2012
Prior Transfer Doc0000002296
Record UpdatedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLANCASTER SC
Property Address4978 RIVERSIDE RD, LANCASTER, SC 29720-7771
Transaction TypeMortgage
Record UpdatedOct 02, 2025
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4978 RIVERSIDE RD, LANCASTER, SC 29720-7771

Mortgage

Document Number0000012759
DateSep 23, 2025
Book Page5428/242
Instrument2025012759
Lender
NameSECRETARY OF HOUSING AND URBAN DEVELOPME
TypeNon-Lending Institution
Address451 7TH ST SW, WASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term313 Months
DueOct 01, 2051

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLANCASTER SC
Property Address4978 RIVERSIDE RD, LANCASTER, SC 29720-7771
Transaction TypeMortgage
Record UpdatedNov 25, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4978 RIVERSIDE RD, LANCASTER, SC 29720-7771

Mortgage

Document Number0000023111
DateNov 16, 2021
Book Page4591/160
Instrument2021023111
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term359 Months
DueOct 01, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLANCASTER SC
Property Address4978 RIVERSIDE RD, LANCASTER, SC 29720-7771
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000014301
DateAug 26, 2020
Book Page4106/17
Instrument2020014301
Lender
NameAMERICAN SECURITY MORTGAGE CORP
TypeMortgage Company
AddressCHARLOTTE, NC 28211
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

August 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionLANCASTER SC
Recording DateAug 26, 2020
Property Address4978 RIVERSIDE RD, LANCASTER, SC 29720-7771
Document Number0000014283
Book / Page001357 / 000116
Instrument DateMar 03, 2020
Instrument14283
Transaction TypeTransfer
Record UpdatedSep 18, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,508.00
Amount AccuracyConfirmed

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4090 CLAPTON DR LANCASTER SC 297200262, LANCASTER, SC 29720-0262

Mortgage

Document Number14284
DateAug 26, 2020
Book Page004105/000289
Instrument14284
Lender
NameUSAA FED'L SVGS BK
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 25, 2050

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated March 27, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateSouth Carolina
CountyLancaster County
Unified School DistrictLancaster County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,496.00 (+14.99%)$19,285 (+15%) Land $3,192 Building $16,093$409,000 (+46.33%) Land $67,700 Building $341,300
2024$5,649.00 (+0.14%)
2023$5,641.00$16,770 Land $2,538 Building $14,232$279,500 Land $42,300 Building $237,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lancaster County (45057C), updated January 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskModerate
above 40% of the US · above 21% of South Carolina
Wildfire LikelihoodAbout 1 in 1,563 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
ComporiumFiber1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

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