115 Ridgewood Dr, Waterloo, SC 29384 Property Records

Laurens County property record for 115 Ridgewood Dr, Waterloo, SC 29384

Property Summary

Property Type	Single Family Home
Lot Size	0.66 acres (28,780 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Jan 2022)
Tax Bill	$4,961 (2025)
Deeds & Mortgages	Nov 2022 Construction Loan Feb 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`340-00-00-032`

Property Details

APN / Parcel Number

Primary APN	`340-00-00-032`
Alternative APNs	`3400000032 00562292` `00562292`

Exterior

Lot Area	28,780 sqft (0.66 acres)

Location & Zoning

Street Address	115 RIDGEWOOD DR
City	WATERLOO
State	SC
Zip	29384-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 RIDGEWOOD HARBOR
Legal Subdivision	RIDGEWOOD HARBOR
Legal Phase	1
Legal Lot Number	44
Jurisdiction	LAURENS SC
Township / Civil Division	CROSS HILL
Census Block Group	2
Census Block	2005
Census Tract	921001

Owner

Source: Laurens County records, as of March 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	115 RIDGEWOOD DR, WATERLOO, SC 29384-5009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Construction Mortgage ARTHUR STATE BANK
Feb 12, 2024	Intrafamily Transfer, Transfer
Apr 4, 2022	Intrafamily Transfer, Transfer
Jan 11, 2022	Warranty Deed, Transfer
Apr 8, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Deed Document Number	2022302
Deed Book / Page	1625 / 72
Last Transfer Date	May 24, 2024
Transfer Doc	0000004116
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAURENS SC
Property Address	115 RIDGEWOOD DR, WATERLOO, SC 29384-5009
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4611 POINCIANA ST 6, 6, LAUDERDALE BY THE SEA, FL 33308-3562

Mortgage

Document Number	0M28840203
Date	Nov 14, 2022
Book Page	M2884/203
Instrument	2022010339

Lender

Name	ARTHUR STATE BANK
Type	Bank
Address	UNION, SC 29379

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2027
Change Frequency	6 Months
Min Rate At Change	5.25%
Max Rate At Change	7.25%
Index	Other
Max Rate	10.2%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAURENS SC
Recording Date	Feb 12, 2024
Property Address	115 RIDGEWOOD DR, WATERLOO, SC 29384-5009
Document Number	0D17930293
Book / Page	D1793 / 293
Map Reference	MB A-13 PG 10
Instrument Date	Feb 8, 2024
Instrument	2024001023
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 RIDGEWOOD DR, WATERLOO, SC 29384-5009

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAURENS SC
Recording Date	Apr 4, 2022
Property Address	115 RIDGEWOOD DR, WATERLOO, SC 29384-5009
Document Number	0D16430243
Book / Page	D1643 / 243
Map Reference	MB A-13 PG 10
Instrument Date	Mar 26, 2022
Instrument	2022003222
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAURENS SC
Recording Date	Jan 11, 2022
Property Address	115 RIDGEWOOD DR, WATERLOO, SC 29384-5009
Document Number	0D16250072
Book / Page	D1625 / 72
Map Reference	MB A-13 PG 10
Instrument Date	Dec 31, 2021
Instrument	2022000302
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Tax	$416.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 JACARANDA DR, PLANTATION, FL 33324-2538

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAURENS SC
Recording Date	Apr 8, 2019
Property Address	WATERLOO, SC 29384
Document Number	0014380303
Book / Page	001438 / 000303
Instrument Date	Apr 4, 2019
Instrument	2976
Transaction Type	Transfer
Record Updated	Apr 23, 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
Relationship	Joint Tenants with Right of Survivorship
Address	103 THOMASON PT GREENWOOD SC 296498766, GREENWOOD, SC 29649-8766

Tax Assessment & Valuation

Source: Laurens County assessment roll, as of February 3, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Laurens County
Unified School District	Laurens School District 55 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,961.00 (+135.01%) Homeowner's exemption	$26,750 (+324.6%) Land $4,830 Building $21,920
2024	$2,111.00 (+12.05%)	$6,300 (-15.66%) Land $6,300
2023	$1,884.00 (-8.9%)	$7,470 (+18.57%)	$186,800 (+77.9%) Land $79,800 Building $107,000
2022	$2,068.00	$6,300 Land $6,300	$105,000 (-83.93%) Land $105,000
2021			$653,500 Land $125,000 Building $528,500

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 June 20, 2019 · 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
Nearby Flood Policies	4 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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Piedmont Rural Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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