1400 Ridgeway Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 1400 Ridgeway Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	4,551 sqft · built 2019
Lot Size	5.44 acres (237,402 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,801 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`295-00-00-054`

Property Details

APN / Parcel Number

Primary APN	`295-00-00-054`
Alternative APN	`8071`

Interior

Stories	2 Stories
Building Area	4,551 sqft Gross Area

Exterior

Year Built	Built 2019
Construction Type	Frame
Lot Area	237,402 sqft (5.44 acres)

Location & Zoning

Account Number	8071
Street Address	1400 RIDGEWAY RD
City	LUGOFF
State	SC
Zip	29078-9513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	DIST:277F MAP REF:BK D10 PG 3
Legal Subdivision	DANIEL A BRUNSON
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2024
Census Tract	970402

Owner

Source: Kershaw County records, as of November 6, 2025

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	1400 RIDGEWAY RD, LUGOFF, SC 29078-9513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Feb 4, 2020	Deed of Trust, Mortgage UNITED WHOLESALE MTG
Dec 30, 2019	Loan Modification, Mortgage SAFE FCU
Dec 12, 2018	Quit Claim Deed, Construction Loan · Construction Mortgage SAFE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 12, 2018
Transfer Doc	0000009766
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Recording Date	Jun 10, 2026
Property Address	1400 RIDGEWAY RD, LUGOFF, SC 29078-9513
Document Number	0000005534
Book / Page	5609 / 80
Instrument Date	Jun 5, 2026
Instrument	20265534
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 RIDGEWAY RD, LUGOFF, SC 29078-9513

Mortgage

Document Number	0000005534,
Date	Jun 10, 2026
Book Page	5609/80
Instrument	20265534

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1400 RIDGEWAY RD, LUGOFF, SC 29078-9513
Document Number	0000001266
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 RIDGEWAY RD LUGOFF SC 290789513, LUGOFF, SC 29078-9513

Mortgage

Document Number	0000001266
Date	Feb 12, 2020
Book Page	004168/000020
Instrument	1266

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KERSHAW SC
Property Address	1400 RIDGEWAY RD, LUGOFF, SC 29078-9513
Document Number	0000000739
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 RIDGEWAY RD LUGOFF SC 29078, LUGOFF, SC 29078

Mortgage

Document Number	0000000739
Date	Jan 27, 2020
Book Page	004158/000272
Instrument	739

Lender

Name	SAFE FCU
Type	Credit Union
Address	SUMTER, SC 29151

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

Interest

Rate Type	Fixed Rate
Rate	5.37%

December 2018: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	KERSHAW SC
Recording Date	Dec 12, 2018
Property Address	1400 RIDGEWAY RD, LUGOFF, SC 29078-9513
Document Number	0000009766
Book / Page	003959 / 000286
Instrument Date	Dec 12, 2018
Instrument	9766
Transaction Type	Construction Loan
Record Updated	Feb 20, 2020
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	1714 SPRING DR LUGOFF SC 29078, LUGOFF, SC 29078

Mortgage

Document Number	9897
Date	Dec 12, 2018
Book Page	003962/000015
Instrument	9897

Lender

Name	SAFE FCU
Type	Credit Union
Address	SUMTER, SC 29150

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	384 Months
Due	Dec 11, 2050

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of September 13, 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	$2,801.00 (-0.57%)	$413,700 (-) Land $54,500 Building $359,200	$413,700 (-)
2023	$2,817.00	$413,700 Land $54,500 Building $359,200	$413,700

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 48% of the US · above 48% of South Carolina
Wildfire Likelihood	0.08% 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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