1286 Ridgeway Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 1286 Ridgeway Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,930 sqft · built 1985
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,000 (Oct 2005)
Tax Bill	$83 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`295-00-00-027`

Property Details

APN / Parcel Number

Primary APN	`295-00-00-027`
Alternative APNs	`0295 00 00 0270` `615`

Interior

Stories	2 Stories
Building Area	2,930 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Vinyl
Lot Area	70,132 sqft (1.61 acres)
Garage Type	Attached
Garage Area	480 sqft
Porch	Porch
Porch Area	482 sqft

Location & Zoning

Account Number	615
Street Address	1286 RIDGEWAY RD
City	LUGOFF
State	SC
Zip	29078-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	1852-223 1249-128 IV-85
Legal Subdivision	WILLIAM F BEAM & MARSHA M BEAM
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2024
Census Tract	970402

Owner

Source: Kershaw County records, as of June 30, 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	1286 RIDGEWAY RD, LUGOFF, SC 29078-9504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Apr 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALLSOUTH FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2005 · Amount on Record
Deed Sale	Oct 18, 2005 · Amount on Record
Prior Sale	Nov 15, 2002 · Amount on Record
Deed Book / Page	1852 / 223
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Recording Date	Jun 22, 2026
Property Address	1286 RIDGEWAY RD, LUGOFF, SC 29078-9504
Document Number	0000006018
Book / Page	5619 / 133
Instrument Date	Jun 16, 2026
Instrument	20266018
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1286 RIDGEWAY RD, LUGOFF, SC 29078-9504
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006018,
Date	Jun 22, 2026
Book Page	5619/133
Instrument	20266018

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1286 RIDGEWAY RD, LUGOFF, SC 29078-9504
Transaction Type	Mortgage
Record Updated	Apr 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020242780
Date	Apr 11, 2024
Book Page	5118/91
Instrument	2024-2780

Lender

Name	ALLSOUTH FCU
Type	Credit Union
Address	COLUMBIA, SC 29201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	145 Months
Due	May 1, 2036

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	$83.00	$172,100 (-) Land $20,000 Building $152,100	$172,100 (-)
2023	$83.00	$172,100 Land $20,000 Building $152,100	$172,100

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 18 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Hurricane Helene

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 40% of the US · lower than 78% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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