1232 Pine Grove Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 1232 Pine Grove Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,101 sqft
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Tax Bill	$395 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`238-00-00-049`

Property Details

APN / Parcel Number

Primary APN	`238-00-00-049`
Alternative APNs	`0238 00 00 0490` `4132`

Interior

Stories	1 Story
Building Area	2,101 sqft Gross Area

Exterior

Exterior Material	Vinyl
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Porch	Porch
Porch Area	450 sqft

Location & Zoning

Account Number	4132
Street Address	1232 PINE GROVE RD
City	LUGOFF
State	SC
Zip	29078-9766
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD2
Legal Description	1594-173
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4044
Census Tract	970401

Owner

Source: Kershaw County records, as of March 24, 2026

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 Record
Mailing Address	1232 PINE GROVE RD, LUGOFF, SC 29078-9766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 25, 2020	Deed of Trust, Mortgage · FHA Mortgage LIBERTY REVERSE MTG
Feb 4, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2004
Deed Sale	Jun 30, 2004
Deed Book / Page	1594 / 173
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1232 PINE GROVE RD, LUGOFF, SC 29078-9766
Document Number	0000003871
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 PINE GROVE RD LUGOFF SC 290789766, LUGOFF, SC 29078-9766

Mortgage

Document Number	0000003871
Date	May 7, 2020
Book Page	004216/000191
Instrument	3871

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	3.73%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1232 PINE GROVE RD, LUGOFF, SC 29078-9766
Document Number	0000003870
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 PINE GROVE RD LUGOFF SC 290789766, LUGOFF, SC 29078-9766

Mortgage

Document Number	0000003870
Date	May 7, 2020
Book Page	004216/000176
Instrument	3870

Lender

Name	LIBERTY REVERSE MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	3.73%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Feb 4, 2020
Property Address	1232 PINE GROVE RD, LUGOFF, SC 29078-9766
Document Number	0000001038
Book / Page	004164 / 000024
Instrument Date	Jan 31, 2020
Instrument	1038
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 PINE GROVE RD LUGOFF SC 290789766, LUGOFF, SC 29078-9766

Tax Assessment & Valuation

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	$395.00 (-0.25%)	$85,900 (-) Land $15,000 Building $70,900	$85,900 (-)
2023	$396.00	$85,900 Land $15,000 Building $70,900	$85,900

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 · 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
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Oct 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Oct 2024 · 3 claims

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	Moderate above 45% of the US · lower than 62% of South Carolina
Wildfire Likelihood	0.07% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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