545 Curlew Cir, Sumter, SC 29150 Property Records

Sumter County property record for 545 Curlew Cir, Sumter, SC 29150

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,208 sqft · built 2018
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2023)
Tax Bill	$2,237 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`184-04-04-009`

Property Details

APN / Parcel Number

Primary APN	`184-04-04-009`
Alternative APN	`17205`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	2,776 sqft
1st Floor Area	1,104 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered/Finished Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	17205
Street Address	545 CURLEW CIR
City	SUMTER
State	SC
Zip	29150-5342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 154 0.22 AC
Legal Subdivision	HERITAGE BAY SUBDIVISION
Legal Lot Number	154
Jurisdiction	SUMTER SC
Township / Civil Division	SUMTER
Census Block Group	1
Census Block	1019
Census Tract	1701

Owner

545 Curlew Cir is owned and occupied by two individuals who bought it in June 2023.

Source: Sumter County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 CURLEW CIR, SUMTER, SC 29150-5342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC
Feb 20, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on File
Deed Sale	Jun 27, 2023 · Amount on File
Prior Sale	Feb 20, 2018 · Amount on File
Deed Book / Page	1316 / 332
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUMTER SC
Recording Date	Jun 27, 2023
Property Address	545 CURLEW CIR, SUMTER, SC 29150-5342
Document Number	0013160332
Book / Page	1316 / 332
Map Reference	MB PB2016 PG 166
Instrument Date	Jun 20, 2023
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$767.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	545 CURLEW CIR, SUMTER, SC 29150-5342

Mortgage

Document Number	0013160336
Date	Jun 27, 2023
Instrument	1316-0336

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER SC
Recording Date	Feb 20, 2018
Property Address	545 CURLEW CIR, SUMTER, SC 29150-5342
Document Number	0012413390
Book / Page	1241 / 3390
Map Reference	MB PB2016 PG166
Instrument Date	Feb 16, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$804.75
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 CURLEW CIR, SUMTER, SC 29150-5342

Mortgage

Document Number	0012413393
Date	Feb 20, 2018
Instrument	1241/3393

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 545 Curlew Cir was $2,237.

Source: Sumter County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Sumter County
Municipality	Sumter City
Unified School District	Sumter County Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,237.00	$11,700 Land $1,550 Building $10,150	$292,403 Land $38,750 Building $253,653
2023		$9,160 (-) Land $1,550 Building $7,610	$228,942 (-) Land $38,750 Building $190,192
2022	$1,678.00	$9,160 Land $1,550 Building $7,610	$228,942 Land $38,750 Building $190,192

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

FEMA maps place 545 Curlew Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	174.3 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	12 (2015–2020)
Claims Outside the SFHA	9 of 12
Most Recent Claim	Sep 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2015 · 8 claims

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

Wildfire risk around 545 Curlew Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 SUMTER serves 53,070 people · EPA ID SC4310001
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

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 189 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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