1232 Ancrum Ferry Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 1232 Ancrum Ferry Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	1,344 sqft · built 2014
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on File
Last Sale	$109,500 (Nov 2014)
Tax Bill	$844 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`380-03-00-030-SJS`

Property Details

APN / Parcel Number

Primary APN	`380-03-00-030-SJS`
Alternative APN	`46680`

Interior

Stories	1 Story
Building Area	1,344 sqft Gross Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,689 sqft (0.98 acres)

Location & Zoning

Account Number	46680
Street Address	1232 ANCRUM FERRY RD
City	LUGOFF
State	SC
Zip	29078-9604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD2
Legal Subdivision	ANCRUM FERRY FARMS PH II
Legal Lot Number	30
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2032
Census Tract	970902

Owner

1232 Ancrum Ferry Rd is owned and occupied by an individual who bought it in November 2014.

Source: Kershaw County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	1232 ANCRUM FERRY RD, LUGOFF, SC 29078-9604
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
May 15, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Jan 24, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2014 · Amount on File
Deed Sale	Nov 14, 2014 · Amount on File
Prior Sale	Oct 18, 2013 · Amount on File
Deed Book / Page	3303 / 96
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Recording Date	May 15, 2026
Property Address	1232 ANCRUM FERRY RD, LUGOFF, SC 29078-9604
Document Number	0000004594
Book / Page	5590 / 184
Instrument Date	Apr 27, 2026
Instrument	20264594
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 ANCRUM FERRY RD, LUGOFF, SC 29078-9604

Mortgage

Document Number	0000004594,
Date	May 15, 2026
Book Page	5590/184
Instrument	20264594

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1232 ANCRUM FERRY RD, LUGOFF, SC 29078-9604
Document Number	0000004947
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 ANCRUM FERRY RD LUGOFF SC 290789604, LUGOFF, SC 29078-9604

Mortgage

Document Number	0000004947
Date	Jun 10, 2020
Book Page	004238/000058
Instrument	4947

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1232 ANCRUM FERRY RD, LUGOFF, SC 29078-9604
Document Number	0000000846
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	SURETY LENDER SERVICES LLC, SURETY LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 ANCRUM FERRY RD LUGOFF SC 290789604, LUGOFF, SC 29078-9604

Mortgage

Document Number	0000000846
Date	Feb 1, 2017
Book Page	003646/000050
Instrument	846

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 31, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 1232 Ancrum Ferry Rd was $844.

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	$844.00	$119,300 Land $20,000 Building $99,300	$119,300
2023	$407.00	$120,300 Land $20,000 Building $100,300	$120,300

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

Flood

FEMA maps place 1232 Ancrum Ferry Rd 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	5 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 1232 Ancrum Ferry Rd is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 54% of South Carolina
Wildfire Likelihood	0.09% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

May also be available: TruVista Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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