108 Spindle Ln, Lugoff, SC 29078 Property Records

Kershaw County property record for 108 Spindle Ln, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,264 sqft
Owner	2 Individual Names on File
Last Sale	$107,000 (Jan 1995)
Tax Bill	$971 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`309-02-00-037-SDE`

Property Details

APN / Parcel Number

Primary APN	`309-02-00-037-SDE`
Alternative APN	`29194`

Interior

Stories	1 Story
Building Area	2,264 sqft Gross Area
Gross Area	1,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Garage Type	Attached
Garage Area	525 sqft
Porch	Porch
Porch Area	115 sqft
Deck Area	148 sqft

Location & Zoning

Account Number	29194
Old Parcel Number	309-02-00-037 SDE
Street Address	108 SPINDLE LN
City	LUGOFF
State	SC
Zip	29078-9062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	DIST:277F MAP REF:BK 42 PG 170
Legal Subdivision	PEPPER RDG SOUTH PH II
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2002
Census Tract	970905

Owner

Source: Kershaw County assessment roll, as of September 13, 2025

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 File
Mailing Address	108 SPINDLE LN, LUGOFF, SC 29078-9062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST PALMETTO BK
Jan 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 30, 1995 · Amount on Record
Deed Sale	Jan 30, 1995 · Amount on Record
Deed Document Number	0000319104
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	108 SPINDLE LN, LUGOFF, SC 29078-9062
Document Number	0000008752
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPINDLE LN LUGOFF SC 290789062, LUGOFF, SC 29078-9062

Mortgage

Document Number	0000008752
Date	Oct 28, 2019
Book Page	004116/000193
Instrument	8752

Lender

Name	FIRST PALMETTO BK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	108 SPINDLE LN, LUGOFF, SC 29078-9062
Document Number	0000000826
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	LENDERLIVE SETTLEMENT SERVICES LLC, LENDERLIVE SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 SPINDLE LN LUGOFF SC 290789062, LUGOFF, SC 29078-9062

Mortgage

Document Number	0000000826
Date	Feb 2, 2018
Book Page	003812/000178
Instrument	826

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2038

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of September 13, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$971.00 (-38.43%)	$175,000 (-) Land $30,000 Building $145,000	$175,000 (-)
2023	$1,577.00	$175,000 Land $30,000 Building $145,000	$175,000

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 September 28, 2018

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 66% of the US · lower than 93% of South Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

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

Water System	LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2026) 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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