22 Brays Dr, Lugoff, SC 29078 Property Records

Kershaw County property record for 22 Brays Dr, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	3,170 sqft · built 2007
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Company Names on Record
Last Sale	$250,000 (Jul 2019)
Tax Bill	$83 (2025)
Deeds & Mortgages	Jan 2026 Transfer Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`309-02-04-004-SDP`

Property Details

APN / Parcel Number

Primary APN	`309-02-04-004-SDP`
Alternative APN	`46927`

Interior

Stories	1 Story
Building Area	3,170 sqft Gross Area
Basement Area	145 sqft
Unfinished Basement	145 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Attached
Garage Area	487 sqft
Porch	Porch
Porch Area	112 sqft
Deck Area	248 sqft

Location & Zoning

Account Number	46927
Street Address	22 BRAYS DR
City	LUGOFF
State	SC
Zip	29078-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LONGLEAF SUBDIV LOT 4
Legal Subdivision	LONGLEAF SUBDIV
Legal Lot Number	4
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2002
Census Tract	970905

Owner

Source: Kershaw County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	22 BRAYS DR, LUGOFF, SC 29078-9571
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Intrafamily Transfer, Transfer
Nov 26, 2025	Deed of Trust, Mortgage · Closed-End Mortgage NAVY FCU
Jul 19, 2019	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	Apr 27, 2007 · Amount on Record
Deed Document Number	20195617
Deed Book / Page	4061 / 25
Last Transfer Date	Jan 20, 2026
Transfer Doc	0002026595
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KERSHAW SC
Recording Date	Jan 21, 2026
Property Address	22 BRAYS DR, LUGOFF, SC 29078-9571
Document Number	0002026595
Book / Page	5511 / 40
Map Reference	MB B147 PG 1
Instrument Date	Jan 20, 2026
Instrument	2026-595
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 BRAYS DR, LUGOFF, SC 29078-9571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BRAYS DR, LUGOFF, SC 29078-9571

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	22 BRAYS DR, LUGOFF, SC 29078-9571
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BRAYS DR, LUGOFF, SC 29078-9571

Mortgage

Document Number	0202510155
Date	Nov 26, 2025
Book Page	5478/148
Instrument	2025-10155

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2065

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Jul 19, 2019
Property Address	22 BRAYS DR, LUGOFF, SC 29078-9571
Document Number	0000005617
Book / Page	004061 / 000025
Instrument Date	Jul 16, 2019
Instrument	5617
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
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	22 BRAYS DR LUGOFF SC 290789571, LUGOFF, SC 29078-9571

Mortgage

Document Number	5618
Date	Jul 19, 2019
Book Page	004061/000029
Instrument	5618

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of November 7, 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	$83.00 (-9.78%)	$250,300 (-) Land $30,000 Building $220,300	$250,300 (-)
2023	$92.00	$250,300 Land $30,000 Building $220,300	$250,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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