1305 Ridgeway Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 1305 Ridgeway Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	3,037 sqft · built 2024
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on Record
Last Sale	$459,600 (Oct 2024)
Tax Bill	$321 (2025)
Deeds & Mortgages	Jun 2024 Line of Credit Oct 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`295-00-00-033`

Property Details

APN / Parcel Number

Primary APN	`295-00-00-033`
Alternative APNs	`0295 00 00 0330` `39673`

Interior

Stories	1 Story
Building Area	3,037 sqft Gross Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Material	Composition Shingle
Lot Area	66,647 sqft (1.53 acres)

Location & Zoning

Account Number	39673
Street Address	1305 RIDGEWAY RD
City	LUGOFF
State	SC
Zip	29078-9233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	IJ-1860 RIDGEWAY ROAD
Legal Subdivision	MITCHELL D RABON
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1000
Census Tract	970905

Owner

Source: Kershaw County records, as of March 26, 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	1305 RIDGEWAY RD, LUGOFF, SC 29078-9233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2024	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Oct 28, 2024	Warranty Deed, Subdivision Related Transfer · VA Mortgage GUILD MORTGAGE CO
Mar 1, 2024	Warranty Deed, Transfer
May 26, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2024 · Amount on Record
Deed Sale	Oct 28, 2024 · Amount on Record
Prior Sale	Mar 1, 2024 · Amount on Record
Deed Document Number	20249035
Deed Book / Page	5238 / 194
Prior Transfer Date	May 16, 2012
Prior Transfer Doc	0000003625
Record Updated	Jun 8, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1305 RIDGEWAY RD, LUGOFF, SC 29078-9233
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4408 FOREST DR 350, 350, COLUMBIA, SC 29206-3135

Mortgage

Document Number	0020245222
Date	Jun 25, 2024
Book Page	5165/171
Instrument	2024-5222

Lender

Name	AMERIS BANK
Type	Bank
Address	COLUMBIA, SC 29201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Jul 5, 2025

Interest

Rate Type	Adjustable Rate

October 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Oct 28, 2024
Property Address	1305 RIDGEWAY RD, LUGOFF, SC 29078-9233
Document Number	0020249035
Book / Page	5238 / 194
Map Reference	MB C122 PG 1A
Instrument Date	Oct 24, 2024
Instrument	2024-9035
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 7, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,196.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 RIDGEWAY RD, LUGOFF, SC 29078-9233
Investor	Possibly a Property Investor

Mortgage

Document Number	0020249036
Date	Oct 28, 2024
Instrument	2024-9036

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Mar 1, 2024
Property Address	1305 RIDGEWAY RD, LUGOFF, SC 29078-9233
Document Number	0020241682
Book / Page	5098 / 47
Map Reference	MB C122 PG 1A
Instrument Date	Feb 29, 2024
Instrument	2024-1682
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Amount	Amount Recorded
Tax	$156.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4408 FOREST DR STE 350, 350, COLUMBIA, SC 29206-3135

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	May 26, 2023
Property Address	1305 RIDGEWAY RD, LUGOFF, SC 29078-9233
Document Number	0020234459
Book / Page	4951 / 269
Map Reference	MB C122 PG 1A
Instrument Date	May 25, 2023
Instrument	2023-4459
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Amount	Amount Recorded
Tax	$120.90
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 CHESTNUT RD, ELGIN, SC 29045-8973
Investor	Possibly a Property Investor

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	$321.00 (-62.28%)	$459,600 (+888.39%) Land $60,000 Building $399,600	$459,600 (+888.39%)
2023	$851.00 (+1.19%)	$46,500 (+19.23%) Land $46,500	$46,500 (+19.23%)
2022	$841.00	$39,000 Land $39,000	$39,000 Land $39,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 9 (5% premium discount)
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	Moderate above 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 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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