1406 Lake Rd, Ridgeway, SC 29130 Property Records

Kershaw County property record for 1406 Lake Rd, Ridgeway, SC 29130

Property Summary

Property Type	Single Family Home
Details	6,180 sqft · built 2005
Lot Size	4.07 acres (177,725 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,125 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`194-04-02-010-SJG`

Property Details

APN / Parcel Number

Primary APN	`194-04-02-010-SJG`
Alternative APN	`7995`

Interior

Stories	2 Stories
Building Area	6,180 sqft Gross Area
Gross Area	4,732 sqft

Exterior

Year Built	Built 2005
Exterior Material	Brick
Lot Area	177,725 sqft (4.07 acres)
Porch	Porch
Porch Area	1,328 sqft
Deck Area	120 sqft

Location & Zoning

Account Number	7995
Old Parcel Number	194-04-02-010 SJG
Street Address	1406 LAKE RD
City	RIDGEWAY
State	SC
Zip	29130-9665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	NATIVE SHORES SUBD LOT 10
Legal Subdivision	NATIVE SHORES SUBD
Legal Lot Number	10
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4005
Census Tract	970401

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
Co-owner	Co-owner on Record
Mailing Address	1406 LAKE RD, RIDGEWAY, SC 29130-9665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS S BK
Apr 24, 2020	Quit Claim Deed, Transfer GUILD MTG
Jun 5, 2017	Grant Deed, Transfer · Conventional with PMI MICHAEL S & BRENDA S ESTEP
May 16, 2017	Grant Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2020
Deed Sale	Jul 15, 2020
Deed Document Number	0004261271
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1406 LAKE RD, RIDGEWAY, SC 29130-9665
Document Number	0000006276
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1406 LAKE RD RIDGEWAY SC 291309665, RIDGEWAY, SC 29130-9665

Mortgage

Document Number	0000006276
Date	Jul 20, 2020
Book Page	004261/000274
Instrument	6276

Lender

Name	CITIZENS S BK
Type	Bank
Address	CAMDEN, SC 29020

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 19, 2030

Interest

Rate Type	Adjustable Rate

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KERSHAW SC
Recording Date	Apr 24, 2020
Property Address	1406 LAKE RD, RIDGEWAY, SC 29130-9665
Document Number	0000003509
Book / Page	004209 / 000203
Instrument Date	Apr 20, 2020
Instrument	3509
Transaction Type	Transfer
Record Updated	May 19, 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	1406 LAKE RD RIDGEWAY SC 291309665, RIDGEWAY, SC 29130-9665

Mortgage

Document Number	3510
Date	Apr 24, 2020
Book Page	004209/000206
Instrument	3510

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Jun 5, 2017
Property Address	1406 LAKE RD, RIDGEWAY, SC 29130-9665
Document Number	0000004534
Book / Page	003704 / 000019
Instrument Date	Jun 2, 2017
Instrument	4534
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1402 LAKE RD RIDGEWAY SC 291309665, RIDGEWAY, SC 29130-9665

Mortgage

Document Number	4535
Date	Jun 5, 2017
Book Page	003704/000022
Instrument	4535

Lender

Name	MICHAEL S & BRENDA S ESTEP
Address	4949 ANTIOCH CHURCH RD, MATTHEWS, NC 28104-8958
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2032

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	May 16, 2017
Property Address	1406 LAKE RD, RIDGEWAY, SC 29130-9665
Document Number	0000003907
Book / Page	003693 / 000165
Instrument Date	May 12, 2017
Instrument	3907
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1406 LAKE RD RIDGEWAY SC 29130, RIDGEWAY, SC 29130

Mortgage

Document Number	3908
Date	May 16, 2017
Book Page	003693/000168
Instrument	3908

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

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	$3,125.00 (-0.67%)	$722,200 (-) Land $235,400 Building $486,800	$722,200 (-)
2023	$3,146.00	$722,200 Land $235,400 Building $486,800	$722,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.08% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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