Florence County property record for 618 Cubie Rd, Effingham, SC 29541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,638 sqft · built 2023 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,061 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Aug 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 00130-01-138 |
| Primary APN | 00130-01-138 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,638 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Construction Type | Frame |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Basement |
| Garage Area | 1,834 sqft |
| Street Address | 618 CUBIE RD |
|---|---|
| City | EFFINGHAM |
| State | SC |
| Zip | 29541-3410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUBIE RD PT TRK 1 |
| Legal Tract | 1 |
| Jurisdiction | FLORENCE SC |
| Township / Civil Division | DANWOOD |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 1505 |
618 Cubie Rd is owned and occupied by an individual.
Source: Florence County records, as of June 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 618 CUBIE RD, EFFINGHAM, SC 29541-3410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 4, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Aug 25, 2022 | Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 618 CUBIE RD, EFFINGHAM, SC 29541-3410 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 618 CUBIE RD, EFFINGHAM, SC 29541-3410 |
| Document Number | 0010780675 |
|---|---|
| Date | Dec 4, 2023 |
| Book Page | 1078/675 |
| Instrument | 2023037475 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Nov 21, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE SC |
| Property Address | 618 CUBIE RD, EFFINGHAM, SC 29541-3410 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0010091498 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 1009/1498 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.52% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.52% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.52% |
The 2025 property tax bill for 618 Cubie Rd was $1,061.
Source: Florence County assessment roll, as of March 5, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Florence County |
| Unified School District | Florence School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,061.00 | $10,195 Land $622 Building $9,573 | $254,891 Land $15,550 Building $239,341 |
| 2023 | $285.00 (+0.35%) Additional exemption filed | $560,000 (+99,9%) Land $560,000 | $1,400,000 (+9,9%) Land $1,400,000 |
| 2022 | $284.00 Additional exemption filed | $560 Land $560 | $14,000 Land $14,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 618 Cubie Rd in Zone X, an area of minimal flood risk, though there have been 33 flood claims nearby since 1990.
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 | 7 in force |
| Nearby Flood Claims | 33 (1990–2021) |
| Most Recent Claim | Feb 2021 · river or lake flooding |
| Claims by Event |
|
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 risk around 618 Cubie Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 85% 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
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