1574 Lake Rd, Ridgeway, SC 29130 Property Records

Kershaw County property record for 1574 Lake Rd, Ridgeway, SC 29130

Property Summary

Property Type	Single Family Home
Details	4,354 sqft · built 1981
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jun 2017)
Tax Bill	$2,290 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`194-01-03-007`

Property Details

APN / Parcel Number

Primary APN	`194-01-03-007`
Alternative APNs	`0194 01 03 0070` `10957`

Interior

Stories	2 Stories
Building Area	4,354 sqft Gross Area
Gross Area	2,644 sqft

Exterior

Year Built	Built 1981
Exterior Material	Brick
Lot Area	36,155 sqft
Garage Type	Detached
Garage Area	480 sqft
Porch	Porch
Porch Area	324 sqft
Patio Area	336 sqft

Location & Zoning

Account Number	10957
Old Parcel Number	0194 01 03 0070
Street Address	1574 LAKE RD
City	RIDGEWAY
State	SC
Zip	29130-9655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	LAKE WATEREE LOT 7
Legal Subdivision	LAKE WATEREE SEC 3
Legal Lot Number	7
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4005
Census Tract	970401

Owner

1574 Lake Rd is owned and occupied by two individuals who acquired it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1574 LAKE RD, RIDGEWAY, SC 29130-9655
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID CAROLINA CU
Jun 29, 2017	Grant Deed, Transfer · Conventional with PMI SUNBELT LNDG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2017 · Amount on File
Deed Sale	Jun 27, 2017 · Amount on File
Deed Document Number	0000371628
Deed Book / Page	3716 / 28
Last Transfer Date	Jun 29, 2017
Transfer Doc	0000005269
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	1574 LAKE RD, RIDGEWAY, SC 29130-9655
Document Number	0000005209
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1574 LAKE RD RIDGEWAY SC 291309655, RIDGEWAY, SC 29130-9655

Mortgage

Document Number	0000005209
Date	Jun 17, 2020
Book Page	004243/000045
Instrument	5209

Lender

Name	MID CAROLINA CU
Type	Credit Union
Address	LUGOFF, SC 29078

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Jun 29, 2017
Property Address	1574 LAKE RD, RIDGEWAY, SC 29130-9655
Document Number	0000005269
Book / Page	003716 / 000028
Instrument Date	Jun 27, 2017
Instrument	5269
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,258.00
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	1574 LAKE RD RIDGEWAY SC 291309655, RIDGEWAY, SC 29130-9655

Mortgage

Document Number	5270
Date	Jun 29, 2017
Book Page	003716/000031
Instrument	5270

Lender

Name	SUNBELT LNDG SVCS
Address	CLEARWATER, FL 33759

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1574 Lake Rd was $2,290.

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	$2,290.00	$424,000 Land $215,000 Building $209,000	$424,000
2023	$2,305.00	$424,000 Land $215,000 Building $209,000	$424,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1574 Lake Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1574 Lake Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	0.07% 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 8 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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