976 Ten Oaks Dr, Lancaster, SC 29720 Property Records

Lancaster County property record for 976 Ten Oaks Dr, Lancaster, SC 29720

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,025 sqft · built 1972
Lot Size	0.673 acres (29,309 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Jan 2026)
Tax Bill	$845 (2025)
Deeds & Mortgages	Jan 2026 Sale Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0102F-0A-005.00`

Property Details

APN / Parcel Number

Primary APN	`0102F-0A-005.00`
Alternative APN	`19470`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,025 sqft Living Area
Gross Area	1,166 sqft
Flooring	Carpet

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,309 sqft (0.673 acres)
Lot Width	160 ft Width
Porch	Porch
Porch Area	27 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	19470
Street Address	976 TEN OAKS DR
City	LANCASTER
State	SC
Zip	29720-9039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	171X133X150X207
Legal Subdivision	TEN OAKS
Legal Block	1
Legal Lot Number	1
Jurisdiction	LANCASTER SC
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3012
Census Tract	10600

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	2 Individual Names on Record
Mailing Address	976 TEN OAKS DR, LANCASTER, SC 29720-9039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed, Transfer
Mar 1, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 1, 2020	Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
May 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2026 · Amount on Record
Deed Sale	Jan 6, 2026 · Amount on Record
Prior Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	2026167
Deed Book / Page	2010 / 15
Prior Transfer Date	Jul 1, 2014
Prior Transfer Doc	0000008401
Record Updated	Sep 20, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Jan 6, 2026
Property Address	976 TEN OAKS DR, LANCASTER, SC 29720-9039
Document Number	0000000167
Book / Page	2010 / 15
Map Reference	PL NO 150
Instrument Date	Jan 6, 2026
Instrument	2026000167
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$572.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	976 TEN OAKS DR, LANCASTER, SC 29720-9039

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER SC
Property Address	976 TEN OAKS DR, LANCASTER, SC 29720-9039
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002317
Date	Mar 1, 2024
Book Page	5092/286
Instrument	2024002317

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER SC
Recording Date	Oct 1, 2020
Property Address	976 TEN OAKS DR, LANCASTER, SC 29720-9039
Document Number	0000017015
Book / Page	1369 / 86
Map Reference	PL 150
Instrument Date	Sep 28, 2020
Instrument	2020017015
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$475.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 TEN OAKS DR, LANCASTER, SC 29720-9039

Mortgage

Document Number	0000017016
Date	Oct 1, 2020
Instrument	2020017016

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER SC
Recording Date	May 29, 2018
Property Address	976 TEN OAKS DR, LANCASTER, SC 29720-9039
Document Number	0000007582
Book / Page	001144 / 000024
Instrument Date	May 24, 2018
Instrument	7582
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2925 LANCASTER SC 297212925, LANCASTER, SC 29721-2925

Tax Assessment & Valuation

Source: Lancaster County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$845.00 (+9.46%)	$5,787 (+15%) Land $502 Building $5,285	$166,000 (+31.96%) Land $14,400 Building $151,600
2024	$772.00 (+0.52%)	$5,032 (-) Land $576 Building $4,456	$125,800 (-) Land $14,400 Building $111,400
2023	$768.00	$5,032 Land $576 Building $4,456	$125,800 Land $14,400 Building $111,400

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.

Drinking Water

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

Water System	CITY OF LANCASTER serves 14,074 people · EPA ID SC2910001
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverNet Connect Fiber	1,000 / 1,000
Comporium Cable	1,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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