649 Sandbar Rd, Chapin, SC 29036 Property Records

Lexington County property record for 649 Sandbar Rd, Chapin, SC 29036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,010 sqft · built 2017
Lot Size	1.82 acres (79,279 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jun 2026)
Tax Bill	$1,107 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001100-02-010`

Property Details

APN / Parcel Number

Primary APN	`001100-02-010`
Alternative APN	`0110002010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,010 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Lot Area	79,279 sqft (1.82 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	649 SANDBAR RD
City	CHAPIN
State	SC
Zip	29036-8777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	LOT 2
Legal Subdivision	COLE MCCLAM AND KIRSTEN MCCLAM
Legal Lot Number	2
Jurisdiction	LEXINGTON SC
Township / Civil Division	CHAPIN
Census Block Group	1
Census Block	1020
Census Tract	21204

Owner

649 Sandbar Rd is owned by two individuals who bought it in June 2026.

Source: Lexington County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	207 WILLIAMSTOWN WAY, COLUMBIA, SC 29212-8654
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage ANDERSON BROTHERS BANK
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK
May 28, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 7, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Prior Sale	May 28, 2026 · Amount on File
Deed Document Number	202624761
Deed Book / Page	21227 / 5223
Prior Transfer Date	Aug 15, 2016
Prior Transfer Doc	1859500326
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	649 SANDBAR RD, CHAPIN, SC 29036-8777
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SANDBAR RD, CHAPIN, SC 29036-8777

Mortgage

Document Number	2093100318
Date	Mar 26, 2021
Book Page	20931/318
Instrument	2021016251

Lender

Name	ANDERSON BROTHERS BANK
Type	Bank
Address	MULLINS, SC 29574

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	Jun 16, 2026
Property Address	649 SANDBAR RD, CHAPIN, SC 29036-8777
Document Number	0000024761
Book / Page	21227 / 5223
Instrument Date	Jun 12, 2026
Instrument	202624761
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127,361.00
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	207 WILLIAMSTOWN WAY, COLUMBIA, SC 29212-8654

Mortgage

Document Number	0000024762,
Date	Jun 16, 2026
Instrument	202624762

Lender

Name	FIRST RELIANCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	Jun 16, 2026
Property Address	649 SANDBAR RD, CHAPIN, SC 29036-8777
Document Number	2122705223
Book / Page	21227 / 5223
Instrument Date	Jun 12, 2026
Instrument	202624761
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127,361.00
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	207 WILLIAMSTOWN WAY, COLUMBIA, SC 29212-8654

Mortgage

Document Number	0000024762,
Date	Jun 16, 2026
Instrument	202624762

Lender

Name	FIRST RELIANCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

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

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEXINGTON SC
Recording Date	May 28, 2026
Property Address	649 SANDBAR RD, CHAPIN, SC 29036-8777
Document Number	0000021814
Book / Page	21224 / 2338
Instrument Date	May 28, 2026
Instrument	202621814
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$23,634.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	117 MEADOW CREST DR, WEST COLUMBIA, SC 29172-2054

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON SC
Property Address	649 SANDBAR RD, CHAPIN, SC 29036-8777
Document Number	2053400091
Instrument Date	Jan 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 SANDBAR RD CHAPIN SC 290368777, CHAPIN, SC 29036-8777

Mortgage

Document Number	2053400091
Date	Jan 11, 2019
Book Page	020534/000091
Instrument	1674

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 10, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 649 Sandbar Rd was $1,107, up 7.7% from the year before.

Source: Lexington County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Lexington County
Unified School District	Lexington School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,107.00 (+7.68%)	$6,719 (-) Land $1,351 Building $5,368
2024	$1,028.00 (+0.88%)	$6,719 (-) Land $1,351 Building $5,368	$167,986 (-) Land $33,773 Building $134,213
2023	$1,019.00	$6,719 Land $1,351 Building $5,368	$167,986 Land $33,773 Building $134,213

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

Flood

FEMA maps place 649 Sandbar Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2015–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2016 · other causes

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.

Wildfire

Wildfire risk around 649 Sandbar Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AMICKS FERRY WTR SYSTEM serves 3,937 people · EPA ID SC3250077
Water Source	Purchased surface water from CITY OF COLUMBIA
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CarolinaConnect Cooperative Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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