Sumter County property record for 977 Twin Lakes Dr, Sumter, SC 29154
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,966 sqft · built 1987 |
| Lot Size | 0.482 acres (21,039 sqft) |
| Owner | Individual Name on File |
| Last Sale | $134,900 (Jan 2018) |
| Tax Bill | $1,073 (2023) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 182-13-01-004 |
| Primary APN | 182-13-01-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,966 sqft Living Area |
| 1st Floor Area | 1,966 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 21,039 sqft |
| Lot Width | 118 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
|---|---|
| Patio Area | 580 sqft |
| Fence | Fence |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 16163 |
|---|---|
| Old Parcel Number | 182 13 01 004 |
| Street Address | 977 TWIN LAKES DR |
| City | SUMTER |
| State | SC |
| Zip | 29154-7059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | LOT 405 PB86-1526 118.5FT PB87-121 PB96-90 |
| Legal Subdivision | TWIN LAKES SUB SEC 20 |
| Legal Lot Number | 405 |
| Jurisdiction | SUMTER SC |
| Township / Civil Division | SUMTER |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 1703 |
977 Twin Lakes Dr is owned and occupied by an individual who bought it in January 2018.
Source: Sumter County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Nov 21, 2025 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Oct 27, 2021 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Oct 18, 2022 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Jul 16, 2019 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Jan 18, 2018 | Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2018 · Amount on File |
| Deed Sale | Jan 18, 2018 · Amount on File |
| Prior Sale | Apr 10, 2006 · Amount on File |
| Deed Document Number | 0012403637 |
| Deed Book / Page | 1240 / 3637 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Document Number | 0013472234 |
|---|---|
| Date | Nov 21, 2025 |
| Book Page | 1347/2234 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0012931813 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 1293/1813 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0013074870 |
|---|---|
| Date | Oct 18, 2022 |
| Book Page | 1307/4870 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER SC |
| Property Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Document Number | 0012575332 |
| Instrument Date | Jul 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 977 TWIN LAKES DR SUMTER SC 291547059, SUMTER, SC 29154-7059 |
| Document Number | 0012575332 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 001257/005332 |
| Name | LOW VA RATES LLC |
|---|---|
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 24, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUMTER SC |
| Recording Date | Jan 18, 2018 |
| Property Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Document Number | 0012403637 |
| Book / Page | 1240 / 3637 |
| Map Reference | MB PB96 PG90 |
| Instrument Date | Jan 18, 2018 |
| Instrument | 1240-3637 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $499.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 977 TWIN LAKES DR, SUMTER, SC 29154-7059 |
| Document Number | 0012403641 |
|---|---|
| Date | Jan 18, 2018 |
| Instrument | 1240-3641 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
Source: Sumter County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Sumter County |
| Unified School District | Sumter County Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,220 Land $760 Building $5,460 | $155,471 Land $19,000 Building $136,471 | |
| 2023 | $1,073.00 (+0.66%) | $6,220 (-) Land $760 Building $5,460 | $155,471 (-) Land $19,000 Building $136,471 |
| 2022 | $1,066.00 | $6,220 Land $760 Building $5,460 | $155,471 Land $19,000 Building $136,471 |
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.
FEMA maps place 977 Twin Lakes Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
Source: FEMA National Flood Hazard Layer, effective January 8, 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
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 risk around 977 Twin Lakes Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 91% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 SUMTER serves 53,070 people · EPA ID SC4310001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| FTC Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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