Kershaw County property record for 1654 Lake Rd, Ridgeway, SC 29130
| Property Type | Single Family Home |
|---|---|
| Details | 2,782 sqft · built 1968 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Sep 2023) |
| Tax Bill | $10,869 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 178-03-03-035 |
| Primary APN | 178-03-03-035 |
|---|---|
| Alternative APNs |
|
| Stories | 5 Stories |
|---|---|
| Building Area | 2,782 sqft Gross Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Lot Area | 26,572 sqft (0.61 acres) |
| Porch | Porch |
| Porch Area | 390 sqft |
| Deck Area | 180 sqft |
| Account Number | 11211 |
|---|---|
| Street Address | 1654 LAKE RD |
| City | RIDGEWAY |
| State | SC |
| Zip | 29130-9216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LAKE WATEREE LOT 35 |
| Legal Subdivision | LAKE WATEREE |
| Legal Lot Number | 35 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 970401 |
1654 Lake Rd is owned by two individuals who bought it in September 2023.
Source: Kershaw County records, as of June 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 467 OLD CHAPIN RD, LEXINGTON, SC 29072-8809 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2023 · Amount on File |
| Deed Sale | Sep 27, 2023 · Amount on File |
| Prior Sale | Mar 15, 2022 · Amount on File |
| Deed Document Number | 20238371 |
| Deed Book / Page | 5022 / 173 |
| Prior Transfer Date | Apr 22, 2021 |
| Prior Transfer Doc | 0000004597 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Sep 27, 2023 |
| Property Address | 1654 LAKE RD, RIDGEWAY, SC 29130-9216 |
| Document Number | 0020238371 |
| Book / Page | 5022 / 173 |
| Map Reference | MB 746 PG 169 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 2023-8371 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,495.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 467 OLD CHAPIN RD, LEXINGTON, SC 29072-8809 |
| Document Number | 0020238372 |
|---|---|
| Date | Sep 27, 2023 |
| Instrument | 2023-8372 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
The 2025 property tax bill for 1654 Lake Rd was $10,869.
Source: Kershaw County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,869.00 | $575,000 Land $301,000 Building $274,000 | $575,000 |
| 2023 | $8,201.00 (+30.28%) | $575,000 (+33.23%) Land $315,000 Building $260,000 | $575,000 (+33.23%) |
| 2022 | $6,295.00 | $431,600 Land $215,000 Building $216,600 | $431,600 Land $215,000 Building $216,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1654 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 |
|
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 risk around 1654 Lake Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Cable | 500 / 50 |
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