631 E Main St, Chesterfield, SC 29709 Property Records

Chesterfield County property record for 631 E Main St, Chesterfield, SC 29709

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1997
Owner	2 Individual Names on Record
Last Sale	$50,000 (Dec 2001)
Tax Bill	$664 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`190 002 002 016`

Property Details

APN / Parcel Number

Primary APN	`190 002 002 016`
Alternative APNs	`00024642` `01399393` `1399393`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 1997
Total Buildings	2 Buildings

Location & Zoning

Account Number	00024642
Street Address	631 E MAIN ST
City	CHESTERFIELD
State	SC
Zip	29709-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	631 E MAIN ST
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	CHESTERFIELD
Census Block Group	1
Census Block	1073
Census Tract	950401

Owner

Source: Chesterfield County records, as of February 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	631 E MAIN ST, CHESTERFIELD, SC 29709-1725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FOUNDERS FCU
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
Feb 13, 2019	Deed of Trust, Mortgage · ARM FOUNDERS FEDERAL CREDIT UNION
Feb 13, 2019	Deed of Trust, Mortgage · ARM FOUNDERS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2001 · Amount on Record
Deed Sale	Dec 19, 2001 · Amount on Record
Deed Document Number	0003911409
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	631 E MAIN ST, CHESTERFIELD, SC 29709-1725
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 E MAIN ST, CHESTERFIELD, SC 29709-1725

Mortgage

Document Number	0000547/92
Date	Oct 5, 2023
Book Page	547/92
Instrument	2023-3882

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 5, 2038

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	631 E MAIN ST, CHESTERFIELD, SC 29709-1725
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000531/681
Date	Dec 10, 2021
Book Page	531/681
Instrument	202100005562

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	631 E MAIN ST, CHESTERFIELD, SC 29709-1725
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	504/207
Date	Feb 13, 2019
Book Page	504/207
Instrument	639

Lender

Name	FOUNDERS FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Mar 1, 2034
Index	Other

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	631 E MAIN ST, CHESTERFIELD, SC 29709-1725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	504/207
Date	Feb 13, 2019
Book Page	504/207
Instrument	639

Lender

Name	FOUNDERS FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Mar 1, 2034
Index	Other

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Chesterfield County
Municipality	Chesterfield Town
Unified School District	Chesterfield County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$664.00 (+13.12%)	$4,300 (+23.56%) Land $410 Building $3,890	$207,200 (+51.46%) Land $12,000 Building $195,200
2023	$587.00	$3,480 Land $360 Building $3,120	$136,800 Land $9,000 Building $127,800

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 March 25, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.06% 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	CHESTERFIELD TOWN OF (1310002) serves 1,670 people · EPA ID SC1310002
Water Source	Purchased groundwater from CHESTERFIELD CO RURAL WATER
Last State Inspection	Mar 2026
Lead	3 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sandhill Telephone Cooperative Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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