115 1st Ave, Lugoff, SC 29078 Property Records

Kershaw County property record for 115 1st Ave, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,689 sqft · built 1956
Lot Size	0.6 acres (26,161 sqft)
Owner	Individual Name on File
Tax Bill	$2,984 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Sep 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`296-14-00-025`

Property Details

APN / Parcel Number

Primary APN	`296-14-00-025`
Alternative APNs	`0296 14 00 0250` `12242`

Interior

Stories	1 Story
Building Area	2,689 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Lot Area	26,161 sqft (0.6 acres)
Porch	Porch
Porch Area	260 sqft
Patio Area	200 sqft

Location & Zoning

Account Number	12242
Street Address	115 1ST AVE
City	LUGOFF
State	SC
Zip	29078-9489
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	BROAD ACRES SUBDIV LOT 9
Legal Subdivision	BROAD ACRES SUBDIV
Legal Lot Number	9
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	970402

Owner

115 1st Ave is owned and occupied by an individual who acquired it in February 1995.

Source: Kershaw County records, as of January 20, 2026

Owner of Record	Individual Name on File
Mailing Address	115 1ST AVE, LUGOFF, SC 29078-9489
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAY BANK TRUST COMPANY
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 20, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 1995
Deed Sale	Feb 14, 1995
Deed Book / Page	323 / 28
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Recording Date	Oct 14, 2026
Property Address	115 1ST AVE, LUGOFF, SC 29078-9489
Document Number	0000009801
Book / Page	5697 / 84
Instrument Date	Oct 7, 2026
Instrument	20269801
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 1ST AVE, LUGOFF, SC 29078-9489

Mortgage

Document Number	0000009801,
Date	Oct 14, 2026
Book Page	5697/84
Instrument	20269801

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	115 1ST AVE, LUGOFF, SC 29078-9489
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 1ST AVE, LUGOFF, SC 29078-9489

Mortgage

Document Number	0020258040
Date	Sep 24, 2025
Book Page	5434/215
Instrument	2025-8040

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 19, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KERSHAW SC
Recording Date	Mar 20, 2019
Property Address	115 1ST AVE, LUGOFF, SC 29078-9489
Document Number	0000002094
Book / Page	004001 / 000072
Instrument Date	Mar 11, 2019
Instrument	2094
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 1ST AVE LUGOFF SC 290789489, LUGOFF, SC 29078-9489

Tax Assessment & Valuation

The 2025 property tax bill for 115 1st Ave was $2,984.

Source: Kershaw County assessment roll, as of November 7, 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	$2,984.00	$140,800 Land $12,000 Building $128,800	$140,800
2023	$2,981.00	$140,800 Land $12,000 Building $128,800	$140,800

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

Flood

FEMA maps place 115 1st Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 115 1st Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.03% 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.

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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 1st Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures