Sumter County property record for 640 W Emerald Lake Dr, Sumter, SC 29153
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,564 sqft · built 2023 |
| Lot Size | 3.25 acres (141,570 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $64,000 (Nov 2021) |
| Tax Bill | $77 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 243-00-05-005 |
| Primary APN | 243-00-05-005 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,564 sqft Living Area |
| 1st Floor Area | 2,564 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 141,570 sqft (3.25 acres) |
| Parking Spaces | 7 Parking Spaces |
| Porch | Covered Porch |
| Patio Area | 240 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 45944 |
|---|---|
| Old Parcel Number | 243 00 05 005 |
| Street Address | 640 W EMERALD LAKE DR |
| City | SUMTER |
| State | SC |
| Zip | 29153-7430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | LOT 135 PB90-194 3.25 AC PB95-284 |
| Legal Subdivision | EMERALD LAKE |
| Legal Lot Number | 135 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SUMTER NORTHEAST |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 402 |
Source: Sumter County records, as of December 18, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 640 W EMERALD LAKE DR, SUMTER, SC 29153-7430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2025 | Deed of Trust, Mortgage THE BANK OF CLARENDON |
| Jun 7, 2023 | Deed of Trust, Mortgage · Commercial Mortgage THE BANK OF CLARENDON |
| Nov 4, 2021 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2021 · Amount on Record |
| Deed Sale | Nov 4, 2021 · Amount on Record |
| Prior Sale | Oct 20, 2009 · Amount on Record |
| Deed Document Number | 0012934208 |
| Deed Book / Page | 1293 / 4208 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 640 W EMERALD LAKE DR, SUMTER, SC 29153-7430 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 640 W EMERALD LAKE DR, SUMTER, SC 29153-7430 |
| Document Number | 0013410402 |
|---|---|
| Date | Jun 13, 2025 |
| Book Page | 1341/402 |
| Name | THE BANK OF CLARENDON |
|---|---|
| Type | Bank |
| Address | MANNING, SC 29102 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 640 W EMERALD LAKE DR, SUMTER, SC 29153-7430 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 640 W EMERALD LAKE DR, SUMTER, SC 29153-7430 |
| Document Number | 0013152130 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 1315/2130 |
| Name | THE BANK OF CLARENDON |
|---|---|
| Type | Bank |
| Address | MANNING, SC 29102 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Nov 4, 2021 |
| Property Address | 640 W EMERALD LAKE DR, SUMTER, SC 29153-7430 |
| Document Number | 0012934208 |
| Book / Page | 1293 / 4208 |
| Map Reference | MB 95 PG 284 |
| Instrument Date | Oct 27, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $236.80 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1600 NAVAJO TRL, WOODLAND PARK, CO 80863-8360 |
Source: Sumter County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Sumter County |
| Unified School District | Sumter County Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $77.00 (-90.77%) Homeowner's exemption | $1,440 (-44.4%) Building $1,440 | $360,875 (+734.88%) Land $43,230 Building $317,645 |
| 2023 | $2,590 (-) Land $2,590 | $43,225 (-) Land $43,225 | |
| 2022 | $834.00 | $2,590 Land $2,590 | $43,225 Land $43,225 |
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.
Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · 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 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2015 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 78% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 33 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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