Sumter County property record for 645 Breezy Bay Ln, Sumter, SC 29150
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,915 sqft · built 2010 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $346,000 (Jul 2019) |
| Tax Bill | $62 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 184-06-05-004 |
| Primary APN | 184-06-05-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,915 sqft Living Area |
| 1st Floor Area | 2,915 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 25,265 sqft (0.58 acres) |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Patio Area | 224 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 17377 |
|---|---|
| Old Parcel Number | 184 06 05 004 |
| Street Address | 645 BREEZY BAY LN |
| City | SUMTER |
| State | SC |
| Zip | 29150-5331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 127 .58 AC |
| Legal Subdivision | TIMBERLINE MDWS PH 06 |
| Legal Lot Number | 127 58 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SUMTER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 1701 |
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 | 645 BREEZY BAY LN, SUMTER, SC 29150-5331 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2023 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| May 17, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 24, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 22, 2019 | Deed, Transfer · VA Mortgage GATEWAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2019 · Amount on Record |
| Deed Sale | Jul 22, 2019 · Amount on Record |
| Prior Sale | Sep 17, 2010 |
| Deed Document Number | 0012574692 |
| Deed Book / Page | 1257 / 4692 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 645 BREEZY BAY LN, SUMTER, SC 29150-5331 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0013161133 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 1316/1133 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 11, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 645 BREEZY BAY LN, SUMTER, SC 29150-5331 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0012852704 |
|---|---|
| Date | May 17, 2021 |
| Book Page | 1285/2704 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 645 BREEZY BAY LN, SUMTER, SC 29150-5331 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012725310 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 1272/5310 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Jul 22, 2019 |
| Property Address | 645 BREEZY BAY LN, SUMTER, SC 29150-5331 |
| Document Number | 0012574692 |
| Book / Page | 1257 / 4692 |
| Map Reference | MB PB2007 PG 453 |
| Instrument Date | Jul 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,280.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 BREEZY BAY LN, SUMTER, SC 29150-5331 |
| Document Number | 0012574698 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 1257/4698 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
Source: Sumter County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Sumter County |
| Municipality | Sumter City |
| Unified School District | Sumter County Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $62.00 (-97.71%) Homeowner's exemption | $16,037 (+7.13%) Land $1,520 Building $14,517 | $400,923 (+7.15%) Land $38,000 Building $362,923 |
| 2023 | $14,970 (-) Land $1,520 Building $13,450 | $374,172 (-) Land $38,000 Building $336,172 | |
| 2022 | $2,706.00 | $14,970 Land $1,520 Building $13,450 | $374,172 Land $38,000 Building $336,172 |
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2015–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
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 51% of the US · above 59% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SUMTER serves 53,070 people · EPA ID SC4310001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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