212 Ridgewood Dr, Waterloo, SC 29384 Property Records

Laurens County property record for 212 Ridgewood Dr, Waterloo, SC 29384

Property Summary

Property Type	Single Family Home
Lot Size	1.96 acres (85,378 sqft)
Owner	Individual Name on File
Tax Bill	$507 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`340-00-00-077`

Property Details

APN / Parcel Number

Primary APN	`340-00-00-077`
Alternative APNs	`3400000077 00775993` `00775993`

Exterior

Lot Area	85,378 sqft (1.96 acres)

Location & Zoning

Street Address	212 RIDGEWOOD DR
City	WATERLOO
State	SC
Zip	29384-5010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL 4 RIDGEWOOD HARBOR PH I
Legal Subdivision	PARCEL 4 RIDGEWOOD HARBOR
Jurisdiction	LAURENS SC
Township / Civil Division	CROSS HILL
Census Block Group	2
Census Block	2006
Census Tract	921001

Owner

212 Ridgewood Dr is owned and occupied by an individual who acquired it in April 2026.

Source: Laurens County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010
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
Apr 29, 2026	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Apr 29, 2026	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Oct 19, 2017	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY
Dec 14, 2016	Loan Modification, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Dec 14, 2016	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026
Deed Sale	Apr 29, 2026
Deed Document Number	20264226
Deed Book / Page	1999 / 258
Prior Transfer Date	Jan 29, 2026
Prior Transfer Doc	0D19990258
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAURENS SC
Recording Date	Apr 29, 2026
Property Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010
Document Number	0000004226
Book / Page	1999 / 258
Instrument Date	Jan 29, 2026
Instrument	20264226
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010

Mortgage

Document Number	0000004227,
Date	Apr 29, 2026
Instrument	20264227

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAURENS SC
Recording Date	Apr 29, 2026
Property Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010
Document Number	0D19990258
Book / Page	1999 / 258
Instrument Date	Jan 29, 2026
Instrument	20264226
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010

Mortgage

Document Number	0000004227,
Date	Apr 29, 2026
Instrument	20264227

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Interest

Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAURENS SC
Property Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010
Document Number	0023940155
Book / Page	002394 / 000155
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIDGEWOOD DR WATERLOO SC 293845010, WATERLOO, SC 29384-5010

Mortgage

Document Number	0023940155
Date	Dec 4, 2017
Book Page	002394/000155
Instrument	11157

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COLUMBIA, SC 29210

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAURENS SC
Property Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010
Document Number	0023300163
Instrument Date	Dec 14, 2016
Transaction Type	Mortgage
Record Updated	Jan 24, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIDGEWOOD DR WATERLOO SC 293845010, WATERLOO, SC 29384-5010

Mortgage

Document Number	0023300163
Date	Jan 19, 2017
Book Page	002330/000163
Instrument	560

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	EWING, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAURENS SC
Property Address	212 RIDGEWOOD DR, WATERLOO, SC 29384-5010
Document Number	0023300170
Instrument Date	Dec 14, 2016
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 RIDGEWOOD DR WATERLOO SC 293845010, WATERLOO, SC 29384-5010

Mortgage

Document Number	0023300170
Date	Jan 19, 2017
Book Page	002330/000170
Instrument	561

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 212 Ridgewood Dr was $507 with a homeowner's exemption, up 4.1% from the year before.

Source: Laurens County assessment roll, as of February 3, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Laurens County
Unified School District	Laurens School District 55 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$507.00 (+4.11%) Homeowner's exemption	$4,680 (-) Land $800 Building $3,880
2024	$487.00 (+39.14%) Homeowner's exemption	$4,680 (-17.89%) Land $800 Building $3,880
2023	$350.00 (-25.69%) Homeowner's exemption	$5,700 (+21.79%) Land $1,900 Building $3,800	$95,000 (-18.84%) Building $95,000
2022	$471.00 Homeowner's exemption	$4,680 Land $800 Building $3,880	$117,050 (-) Land $20,050 Building $97,000
2021			$117,050 Land $20,050 Building $97,000

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

Flood

FEMA maps place 212 Ridgewood Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2019 · 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
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

Wildfire risk around 212 Ridgewood Dr is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.06% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Piedmont Rural Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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