220 Pine Grove Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 220 Pine Grove Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	3,098 sqft
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Last Sale	$398,000 (Jul 2025)
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`295-00-00-039`

Property Details

APN / Parcel Number

Primary APN	`295-00-00-039`
Alternative APNs	`0295 00 00 0390` `45087`

Interior

Stories	2 Stories
Building Area	3,098 sqft Gross Area
Gross Area	2,182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Vinyl
Lot Area	32,670 sqft (0.75 acres)
Garage Type	Attached
Garage Area	520 sqft
Porch	Porch
Porch Area	96 sqft
Deck Area	300 sqft

Location & Zoning

Account Number	45087
Old Parcel Number	0295 00 00 0390
Street Address	220 PINE GROVE RD
City	LUGOFF
State	SC
Zip	29078-8891
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	DEERWOOD SUBDIV PHASE 1 LOT 5
Legal Subdivision	DEERWOOD SUBD
Legal Phase	1
Legal Lot Number	5
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2021
Census Tract	970402

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	220 PINE GROVE RD, LUGOFF, SC 29078-8891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MTG
Jun 22, 2018	Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on Record
Deed Sale	Jul 17, 2025 · Amount on Record
Prior Sale	Jan 17, 2007 · Amount on Record
Deed Document Number	2025-5962
Deed Book / Page	5394 / 119
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Jul 17, 2025
Property Address	220 PINE GROVE RD, LUGOFF, SC 29078-8891
Document Number	0020255962
Book / Page	5394 / 119
Map Reference	MB B85 PG 1A
Instrument Date	Jul 14, 2025
Instrument	2025-5962
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,034.80
Amount Accuracy	Verified / From Affidavit
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	220 PINE GROVE RD, LUGOFF, SC 29078-8891

Mortgage

Document Number	0020255963
Date	Jul 17, 2025
Instrument	2025-5963

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	220 PINE GROVE RD, LUGOFF, SC 29078-8891
Document Number	0000001070
Instrument Date	Jan 25, 2021
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	220 PINE GROVE RD LUGOFF SC 290788891, LUGOFF, SC 29078-8891

Mortgage

Document Number	0000001070
Date	Jan 29, 2021
Book Page	004398/000139
Instrument	1070

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 28, 2041

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KERSHAW SC
Property Address	220 PINE GROVE RD, LUGOFF, SC 29078-8891
Document Number	0000007191
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 27, 2018
Title Company	SERVICELINK LOAN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 PINE GROVE RD LUGOFF SC 290788891, LUGOFF, SC 29078-8891

Mortgage

Document Number	0000007191
Date	Sep 12, 2018
Book Page	003916/000304
Instrument	7191

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

Interest

Rate	4.25%

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	$2,166.00 (-0.55%)	$320,000 (-) Land $27,000 Building $293,000	$320,000 (-)
2023	$2,178.00	$320,000 Land $27,000 Building $293,000	$320,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Hurricane Helene

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 44% of the US · lower than 64% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
TruVista Communications Cable	500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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