Sumter County property record for 645 W Emerald Lake Dr, Sumter, SC 29153
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,848 sqft · built 1995 |
| Lot Size | 1.32 acres (57,499 sqft) |
| Owner | Company Name on Record |
| Last Sale | $293,000 (Oct 2007) |
| Tax Bill | $2,075 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 243-00-04-003 |
| Primary APN | 243-00-04-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,848 sqft Living Area |
| Gross Area | 4,664 sqft |
| 1st Floor Area | 2,491 sqft |
| Upper Floors Area | 357 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 57,499 sqft (1.32 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 1,490 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Covered/Finished Porch |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 45928 |
|---|---|
| Street Address | 645 W EMERALD LAKE DR |
| City | SUMTER |
| State | SC |
| Zip | 29153-8677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 109 PB89-1074 1.32 AC |
| Legal Subdivision | EMERALD LAKE |
| Legal Lot Number | 109 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SUMTER NORTHEAST |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 402 |
Source: Sumter County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1730 CROWNDALE DR, SUMTER, SC 29150-1857 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2007 · Amount on Record |
| Deed Sale | Oct 1, 2007 · Amount on Record |
| Deed Book / Page | 1092 / 3980 |
| Last Transfer Date | Mar 7, 2008 |
| Transfer Doc | 0011020071 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 645 W EMERALD LAKE DR, SUMTER, SC 29153-8677 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012401291 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 1240/1291 |
| Instrument | 1240-1291 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2033 |
Source: Sumter County assessment roll, as of December 3, 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 | $2,075.00 (+0.68%) | $13,340 (-) Land $2,240 Building $11,100 | $333,532 (-) Land $56,000 Building $277,532 |
| 2023 | $2,061.00 (+0.05%) | $13,340 (-) Land $2,240 Building $11,100 | $333,532 (-) Land $56,000 Building $277,532 |
| 2022 | $2,060.00 | $13,340 Land $2,240 Building $11,100 | $333,532 Land $56,000 Building $277,532 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 | Low lower than 63% of the US · lower than 89% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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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