642 Bay Ln, Lancaster, SC 29720 Property Records

Lancaster County property record for 642 Bay Ln, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,250 sqft · built 1965
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Jun 2026)
Tax Bill	$443 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0028-00-018.00`

Property Details

APN / Parcel Number

Primary APN	`0028-00-018.00`
Alternative APNs	`00280 00 018.00` `2543`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,250 sqft Living Area
Gross Area	1,690 sqft
Flooring	Wood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Mixed
Garage Area	750 sqft
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2543
Street Address	642 BAY LN
City	LANCASTER
State	SC
Zip	29720-9730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R30
Legal Description	160X200X230X175 PREVIOUS LEGAL: PLAT BK 15 PG 101
Legal Block	C
Legal Lot Number	C
Jurisdiction	LANCASTER SC
Township / Civil Division	VAN WYCK
Census Block Group	3
Census Block	3055
Census Tract	11209

Owner

Source: Lancaster County records · APN 0028-00-018.00

Assessment roll updated March 27, 2026 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	1696 BERTHA KNIGHT RD, LANCASTER, SC 29720-7994
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed, Transfer · Conventional Mortgage ASSURANCE FINANCIAL GROUP LLC
Jul 06, 2026	Deed of Trust, Mortgage · Conventional Mortgage ASSURANCE FINANCIAL GROUP LLC
Sep 22, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Deed Document Number	20269354
Deed Book / Page	2081 / 9
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Jun 30, 2026
Property Address	642 BAY LN, LANCASTER, SC 29720-9730
Document Number	0000009354
Book / Page	2081 / 9
Instrument Date	Jun 30, 2026
Instrument	20269354
Transaction Type	Transfer
Record Updated	Jul 07, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$72,871.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1696 BERTHA KNIGHT RD, LANCASTER, SC 29720-7994

Mortgage

Document Number	0000009355,
Date	Jun 30, 2026
Instrument	20269355

Lender

Name	ASSURANCE FINANCIAL GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Recording Date	Jul 06, 2026
Property Address	642 BAY LN, LANCASTER, SC 29720-9730
Document Number	0000009637
Book / Page	5625 / 252
Instrument Date	Jun 30, 2026
Instrument	20269637
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1696 BERTHA KNIGHT RD, LANCASTER, SC 29720-7994

Mortgage

Document Number	0000009637,
Date	Jul 06, 2026
Book Page	5625/252
Instrument	20269637

Lender

Name	ASSURANCE FINANCIAL GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate	6.48%
Max Rate	-1%

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER SC
Recording Date	Sep 22, 2017
Property Address	642 BAY LN, LANCASTER, SC 29720-9730
Document Number	0000014075
Book / Page	001083 / 000252
Instrument Date	Aug 25, 2017
Instrument	14075
Transaction Type	Transfer
Record Updated	Oct 10, 2017

Transaction

Tax	$0.00
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	642 BAY LN LANCASTER SC 297209730, LANCASTER, SC 29720-9730

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated March 27, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$443.00 (+49.66%)	$3,390 (+14.99%) Land $861 Building $2,529	$142,500 (+93.35%) Land $36,200 Building $106,300
2024	$296.00 (+0.34%)
2023	$295.00	$2,948 Land $908 Building $2,040	$73,700 Land $22,700 Building $51,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Comporium Fiber	1,000 / 1,000

May also be available: T-Mobile USA.

Based on FCC filings for 30 locations within half a mile of this property.

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