649 Bay Ln, Lancaster, SC 29720 Property Records

Lancaster County property record for 649 Bay Ln, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,188 sqft · built 1987
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (Oct 2020)
Tax Bill	$996 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Nov 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`0028-00-018.01`

Property Details

APN / Parcel Number

Primary APN	`0028-00-018.01`
Alternative APNs	`00280 00 018.01` `2544`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	1,476 sqft
Flooring	Carpet

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Earth
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Porch	Porch
Porch Area	48 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	2544
Street Address	649 BAY LN
City	LANCASTER
State	SC
Zip	29720-9730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Jurisdiction	LANCASTER SC
Township / Civil Division	VAN WYCK
Census Block Group	3
Census Block	3055
Census Tract	11209

Owner

Source: Lancaster County records, as of May 27, 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 Record
Mailing Address	649 BAY LN, LANCASTER, SC 29720-9730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 25, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Deed Document Number	202019069
Deed Book / Page	1378 / 75
Prior Transfer Date	Nov 25, 2019
Prior Transfer Doc	0000017994
Record Updated	Oct 29, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Oct 29, 2020
Property Address	649 BAY LN, LANCASTER, SC 29720-9730
Document Number	0000019069
Book / Page	1378 / 75
Map Reference	PL 5209
Instrument Date	May 15, 2020
Instrument	2020019069
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 BAY LN, LANCASTER, SC 29720-9730

Mortgage

Document Number	0000019070
Date	Oct 29, 2020
Book Page	4176/243
Instrument	2020019070

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jun 1, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER SC
Recording Date	Nov 25, 2019
Property Address	649 BAY LN, LANCASTER, SC 29720-9730
Document Number	0000017994
Book / Page	001286 / 000281
Instrument Date	Nov 25, 2019
Instrument	17994
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 BAY LN LANCASTER SC 297209730, LANCASTER, SC 29720-9730

Tax Assessment & Valuation

Source: Lancaster County assessment roll, as of March 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$996.00 (+18.43%)	$5,175 (+15%) Land $1,742 Building $3,433	$178,200 (+58.4%) Land $60,000 Building $118,200
2024	$841.00 (+0.48%)
2023	$837.00	$4,500 Land $1,500 Building $3,000	$112,500 Land $37,500 Building $75,000

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 January 8, 2026

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 86% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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