Richland County property record for 649 Cornerstone Cir, Irmo, SC 29063
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,305 sqft · built 2009 |
| Lot Size | 0.139 acres (6,079 sqft) |
| Owner | Individual on Record |
| Last Sale | $200,000 (Jun 2023) |
| Tax Bill | $1,760 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Sep 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04001-07-33 |
| Primary APN | 04001-07-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,305 sqft Heated Area |
| Gross Area | 1,618 sqft |
| 1st Floor Area | 1,305 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,079 sqft (0.139 acres) |
| Garage Area | 255 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 58 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02023447 |
|---|---|
| Street Address | 649 CORNERSTONE CIR |
| City | IRMO |
| State | SC |
| Zip | 29063-2790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 85 45X133.6X39.5X135 #SU CORNERSTONE PH 2 #PR RB1311-2974 |
| Legal Subdivision | CORNERSTONE OF IRMO |
| Legal Phase | 2 |
| Legal Lot Number | 45,85 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | DUTCH FORK |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 10305 |
Source: Richland County assessment roll, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Sep 20, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) NEW AMERICAN FUNDING |
| Jun 27, 2023 | Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Aug 6, 2021 | Deed, Transfer |
| Aug 2, 2019 | Quit Claim Deed, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2023 · Amount on Record |
| Deed Sale | Jun 27, 2023 · Amount on Record |
| Prior Sale | Aug 6, 2021 · Amount on Record |
| Deed Document Number | 202326957 |
| Deed Book / Page | 2846 / 1257 |
| Prior Transfer Date | Jun 8, 2019 |
| Prior Transfer Doc | 0024161837 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 649 CORNERSTONE CIR, IRMO, SC 29063-2790 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 39 MALLET HILL RD, COLUMBIA, SC 29223-3221 |
| Document Number | 0028671177 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 2867/1177 |
| Instrument | 2023041010 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 649 CORNERSTONE CIR, IRMO, SC 29063-2790 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0028671195 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 2867/1195 |
| Instrument | 2023041011 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Jun 27, 2023 |
| Property Address | 649 CORNERSTONE CIR, IRMO, SC 29063-2790 |
| Document Number | 0028461257 |
| Book / Page | 2846 / 1257 |
| Map Reference | MB 1311 PG 2974 |
| Instrument Date | Jun 22, 2023 |
| Instrument | 2023026957 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2023026958 |
|---|---|
| Date | Jun 27, 2023 |
| Instrument | 2023026958 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Number | 0028461355 |
|---|---|
| Date | Jun 27, 2023 |
| Book Page | 2846/1355 |
| Instrument | 2023026970 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 26, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Aug 6, 2021 |
| Property Address | 649 CORNERSTONE CIR, IRMO, SC 29063-2790 |
| Document Number | 0026513096 |
| Book / Page | 2651 / 3096 |
| Map Reference | MB 1311 PG 2974 |
| Instrument Date | Aug 3, 2021 |
| Instrument | 2021052646 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $629.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 649 CORNERSTONE CIR, IRMO, SC 29063-2790 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Aug 2, 2019 |
| Property Address | 649 CORNERSTONE CIR, IRMO, SC 29063-2790 |
| Document Number | 2416/1837 |
| Book / Page | 002416 / 001837 |
| Instrument Date | Jul 16, 2019 |
| Instrument | 57090 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 649 CORNERSTONE CIR IRMO SC 290632790, IRMO, SC 29063-2790 |
| Document Number | 2416/1841 |
|---|---|
| Date | Aug 2, 2019 |
| Book Page | 002416/001841 |
| Instrument | 57091 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Municipality | Irmo Town |
| Unified School District | Lexington School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,760.00 (-63.81%) | $6,800 (-96.6%) | $200,000 (-) Land $25,000 Building $175,000 |
| 2024 | $200,000 (+2,841.18%) Land $25,000 Building $175,000 | $200,000 (+17.65%) Land $25,000 Building $175,000 | |
| 2023 | $4,863.00 (+4.49%) | $6,800 (+53.15%) | $170,000 (+49.52%) |
| 2022 | $4,654.00 (+339.89%) | ||
| 2021 | $1,058.00 | $4,440 | $113,700 Land $23,800 Building $89,900 |
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 September 13, 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1987) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 1987 · river or lake 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 65% of the US · lower than 92% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 COLUMBIA serves 354,068 people · EPA ID SC4010001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CarolinaConnect Cooperative Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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