Kershaw County property record for 109 Ward Rd, Lugoff, SC 29078
| Property Type | Single Family Home |
|---|---|
| Details | 1,540 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Apr 2018) |
| Tax Bill | $961 (2025) |
| Deeds & Mortgages | Apr 2018 Sale & Mortgage Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 296-20-00-018 |
| Primary APN | 296-20-00-018 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,540 sqft Gross Area |
| Gross Area | 1,292 sqft |
| 1st Floor Area | 1,292 sqft |
| Exterior Material | Vinyl |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Porch |
| Porch Area | 248 sqft |
| Account Number | 12684 |
|---|---|
| Old Parcel Number | 0296 20 00 0180 |
| Street Address | 109 WARD RD |
| City | LUGOFF |
| State | SC |
| Zip | 29078-8939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Description | 753-256 JI-236 JG-2908 JA-2439 IJ-2049 109 WARD CPL EASEMENT 2410-24 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 970403 |
109 Ward Rd is owned and occupied by two individuals who acquired it in April 2018.
Source: Kershaw County records, as of November 6, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 WARD RD, LUGOFF, SC 29078-8939 |
| 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 |
|---|---|
| Apr 23, 2018 | Grant Deed, Transfer · FHA Mortgage BAY EQUITY |
| Jan 19, 2018 | Grant Deed, Mortgage · Line of Credit SOUTHERN FIRST BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2018 · Amount on File |
| Deed Sale | Apr 19, 2018 · Amount on File |
| Deed Document Number | 0000384864 |
| Deed Book / Page | 3848 / 64 |
| Last Transfer Date | Apr 23, 2018 |
| Transfer Doc | 0000003079 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Apr 23, 2018 |
| Property Address | 109 WARD RD, LUGOFF, SC 29078-8939 |
| Document Number | 0000003079 |
| Book / Page | 003848 / 000064 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 3079 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 WARD RD LUGOFF SC 290788939, LUGOFF, SC 29078-8939 |
| Document Number | 3080 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 003848/000067 |
| Instrument | 3080 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Jan 19, 2018 |
| Property Address | 109 WARD RD, LUGOFF, SC 29078-8939 |
| Document Number | 0000000445 |
| Book / Page | 003806 / 000150 |
| Instrument Date | Jan 10, 2018 |
| Instrument | 445 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 WARD RD LUGOFF SC 290788939, LUGOFF, SC 29078-8939 |
| Document Number | 446 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 003806/000154 |
| Instrument | 446 |
| Name | SOUTHERN FIRST BK NA |
|---|---|
| Type | Bank |
| Address | CAYCE, SC 29033 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Jan 18, 2021 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 109 Ward Rd was $961.
Source: Kershaw County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $961.00 | $123,200 Land $20,000 Building $103,200 | $123,200 |
| 2023 | $1,155.00 | $123,200 Land $20,000 Building $103,200 | $123,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Ward 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 28, 2018 · 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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2013–2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Feb 2021 · rainfall accumulation |
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 109 Ward Rd 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 65% of the US · lower than 92% 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 | 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 |
| 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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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