6981 Gulledge Rd, Effingham, SC 29541 Property Records

Florence County property record for 6981 Gulledge Rd, Effingham, SC 29541

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,746 sqft · built 2020
Lot Size	14 acres (612,454 sqft)
Owner	Individual Name on Record
Tax Bill	$1,336 (2025)
Deeds & Mortgages	Mar 2020 Loan Modification Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00216-01-077`

Property Details

APN / Parcel Number

Primary APN	`00216-01-077`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,746 sqft Living Area
1st Floor Area	2,005 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Construction Type	Frame
Lot Area	612,454 sqft (14 acres)
Garage Area	570 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	6981 GULLEDGE RD
City	EFFINGHAM
State	SC
Zip	29541-3970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF ST HWY 149
Jurisdiction	FLORENCE SC
Township / Civil Division	PAMPLICO
Census Block Group	4
Census Block	4011
Census Tract	1602

Owner

Source: Florence County records, as of June 5, 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	6981 GULLEDGE RD, EFFINGHAM, SC 29541-3970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2020	Loan Modification, Mortgage UNITED CMNTY BK
Jul 3, 2019	Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLORENCE SC
Property Address	6981 GULLEDGE RD, EFFINGHAM, SC 29541-3970
Document Number	0000008963
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6981 GULLEDGE RD EFFINGHAM SC 295413970, EFFINGHAM, SC 29541-3970

Mortgage

Document Number	0000008963
Date	Jul 10, 2020
Book Page	000862/001328
Instrument	8963

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE SC
Property Address	6981 GULLEDGE RD, EFFINGHAM, SC 29541-3970
Document Number	0000009334
Instrument Date	Jul 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	GULLEDGE RD EFFINGHAM SC 29541, EFFINGHAM, SC 29541

Mortgage

Document Number	0000009334
Date	Jul 9, 2019
Book Page	000805/001257
Instrument	9334

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Florence County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Florence County
Unified School District	Florence School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,336.00 (+9.96%)	$15,754 (-99.87%) Land $2,874 Building $12,880	$393,855 (-98.74%) Land $71,850 Building $322,005
2023	$1,215.00 (+6.02%) Additional exemption filed	$12,459,462 (+99,903.71%) Land $2,874,000 Building $9,585,462	$31,148,655 (+9,899.99%) Land $7,185,000 Building $23,963,655
2022	$1,146.00 Additional exemption filed	$12,459 Land $2,874 Building $9,585	$311,487 Land $71,850 Building $239,637

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2025 · 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 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.

Wildfire

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

Wildfire Risk	Moderate above 64% of the US · above 85% of South Carolina
Wildfire Likelihood	0.2% 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	CITY OF FLORENCE serves 79,745 people · EPA ID SC2110001
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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