628 Railroad Ave, North Augusta, SC 29841 Property Records

Aiken County property record for 628 Railroad Ave, North Augusta, SC 29841

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,797 sqft · built 2017
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$3,272 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Apr 2019 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`007-13-36-006`

Property Details

APN / Parcel Number

Primary APN	`007-13-36-006`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,797 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Ceramic Tile
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	628 RAILROAD AVE
City	NORTH AUGUSTA
State	SC
Zip	29841-3783
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOND'S FERRY PHASE D LOT 16 BLOCK 12 SECTION 1
Legal Subdivision	HAMMOND'S FERRY
Legal Phase	D
Legal Block	12
Legal Lot Number	16
Jurisdiction	AIKEN SC
Township / Civil Division	NORTH AUGUSTA
Census Block Group	1
Census Block	1029
Census Tract	20802

Owner

628 Railroad Ave is owned and occupied by an individual who acquired it in November 2024.

Source: Aiken County records, as of November 5, 2025

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

Owner of Record	Individual Name on File
Mailing Address	628 RAILROAD AVE, NORTH AUGUSTA, SC 29841-3783
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 1, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK AND TRUST CO INC
Sep 3, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Sep 9, 2016 · Amount on File
Last Transfer Date	Nov 6, 2024
Transfer Doc	05195/1219
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AIKEN SC
Property Address	628 RAILROAD AVE, NORTH AUGUSTA, SC 29841-3783
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04704/1263
Date	Feb 6, 2018
Book Page	4704/1263
Instrument	2018002842

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AIKEN SC
Property Address	628 RAILROAD AVE, NORTH AUGUSTA, SC 29841-3783
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04770/0606
Date	Apr 1, 2019
Book Page	4770/0606
Instrument	2019007809

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Mar 21, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AIKEN SC
Property Address	628 RAILROAD AVE, NORTH AUGUSTA, SC 29841-3783
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04838/1821
Date	Apr 9, 2020
Book Page	4838/1821
Instrument	2020008405

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AIKEN SC
Property Address	628 RAILROAD AVE, NORTH AUGUSTA, SC 29841-3783
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 RAILROAD AVE, NORTH AUGUSTA, SC 29841-3783

Mortgage

Document Number	04869/1077
Date	Sep 3, 2020
Book Page	4869/1077
Instrument	2020021554

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 628 Railroad Ave was $3,272.

Source: Aiken County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Aiken County
Municipality	North Augusta City
Unified School District	Aiken County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,272.00	$32,675 Land $6,400 Building $26,275	$816,880 Land $160,000 Building $656,880
2023	$3,279.00	$32,680 Land $6,400 Building $26,280	$816,880 Land $160,000 Building $656,880

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 628 Railroad Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 13, 2022 · 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 71 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Aug 2008

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 628 Railroad Ave is low, with a 0.03% 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	0.03% 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 NORTH AUGUSTA serves 26,125 people · EPA ID SC0210003
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Breezeline, WOW Internet, Cable & Phone.

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