524 Caro Ln, Chapin, SC 29036 Property Records

Lexington County property record for 524 Caro Ln, Chapin, SC 29036

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,047 sqft · built 1994
Lot Size	0.64 acres (27,878 sqft)
Owner	Trust Name on Record
Last Sale	$825,000 (Jan 2021)
Tax Bill	$5,436 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001028-01-032`

Property Details

APN / Parcel Number

Primary APN	`001028-01-032`
Alternative APN	`0102801032`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,047 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Roof Material	Shingle
Lot Area	27,878 sqft (0.64 acres)
View / Lot	Waterfront / Beach
Garage Type	Built-in
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	524 CARO LN
City	CHAPIN
State	SC
Zip	29036-7952
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	OAKBROOK LANDING LOT 32 PH I
Legal Subdivision	OAKBROOK LANDING
Legal Phase	I
Legal Lot Number	32
Jurisdiction	LEXINGTON SC
Township / Civil Division	CHAPIN
Census Block Group	1
Census Block	1014
Census Tract	21206

Owner

Source: Lexington County records, as of June 23, 2026

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

Owner of Record	Trust Name on Record
Mailing Address	524 CARO LN, CHAPIN, SC 29036-7952
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jan 26, 2021	Deed, Transfer · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2021 · Amount on Record
Deed Sale	Jan 26, 2021 · Amount on Record
Deed Document Number	20214113
Deed Book / Page	20918 / 3651
Prior Transfer Date	Jun 3, 2009
Prior Transfer Doc	1364300270
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	524 CARO LN, CHAPIN, SC 29036-7952
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2097501576
Date	Nov 2, 2021
Book Page	20975/1576
Instrument	2021059367

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON SC
Recording Date	Jan 26, 2021
Property Address	524 CARO LN, CHAPIN, SC 29036-7952
Document Number	2091803651
Book / Page	20918 / 3651
Map Reference	MB 219G PG 120&121
Instrument Date	Jan 14, 2021
Instrument	2021004113
Transaction Type	Transfer
Record Updated	Feb 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,052.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	524 CARO LN, CHAPIN, SC 29036-7952

Mortgage

Document Number	2021004114
Date	Jan 26, 2021
Instrument	2021004114

Lender

Name	RESOURCE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Lexington County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Lexington County
Unified School District	Lexington School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,436.00 (+7.69%)	$33,000 (-) Land $12,800 Building $20,200
2024	$5,048.00 (+0.86%)	$33,000 (-) Land $12,800 Building $20,200	$825,000 (-) Land $320,000 Building $505,000
2023	$5,005.00	$33,000 Land $12,800 Building $20,200	$825,000 Land $320,000 Building $505,000

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 September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	2 (2024–2025)
Most Recent Claim	Aug 2025 · 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	Low lower than 97% of the US · lower than 99.1% of South Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	BGWC MILMONT SHORES private · serves 57 people · EPA ID SC3250025
Water Source	Groundwater
Last State Inspection	Feb 2025
Also Mapped Here	CITY OF COLUMBIA
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	2.03 mg/L (2022) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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