Laurens County property record for 226 Topsail Dr, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.815 acres (35,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $182,700 (Aug 2023) |
| Tax Bill | $2,698 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 339-00-00-051 |
| Primary APN | 339-00-00-051 |
|---|---|
| Alternative APNs |
|
| Lot Area | 35,504 sqft (0.815 acres) |
|---|
| Street Address | 226 TOPSAIL DR |
|---|---|
| City | WATERLOO |
| State | SC |
| Zip | 29384-5022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 108 RIDGEWOOD HARBOR PH II |
| Legal Subdivision | RIDGEWOOD HARBOR |
| Legal Phase | 2 |
| Legal Lot Number | 108 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | CROSS HILL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 921001 |
Source: Laurens County records, as of February 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 226 TOPSAIL DR, WATERLOO, SC 29384-5022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 7, 2023 | Deed of Trust, Mortgage · Line of Credit COUNTYBANK |
| Aug 10, 2023 | Deed, Transfer · Commercial Mortgage COUNTYBANK |
| Aug 10, 2023 | Deed of Distribution, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2023 · Amount on Record |
| Deed Sale | Aug 10, 2023 · Amount on Record |
| Prior Sale | Aug 10, 2023 |
| Deed Document Number | 20236387 |
| Deed Book / Page | 1755 / 114 |
| Prior Transfer Date | Aug 8, 2023 |
| Prior Transfer Doc | 0D17550105 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 226 TOPSAIL DR, WATERLOO, SC 29384-5022 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 226 TOPSAIL DR, WATERLOO, SC 29384-5022 |
| Document Number | 0M29810045 |
|---|---|
| Date | Nov 7, 2023 |
| Book Page | M2981/45 |
| Instrument | 2023009123 |
| Name | COUNTYBANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, SC 29648 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Aug 10, 2023 |
| Property Address | 226 TOPSAIL DR, WATERLOO, SC 29384-5022 |
| Document Number | 0D17550108 |
| Book / Page | D1755 / 108 |
| Map Reference | CAB A SL 38 PG 10 |
| Instrument Date | Aug 8, 2023 |
| Instrument | 2023006384 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,170.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 226 TOPSAIL DR, WATERLOO, SC 29384-5022 |
| Document Number | 2023006385 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 2023006385 |
| Name | COUNTYBANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Aug 10, 2023 |
| Property Address | 226 TOPSAIL DR, WATERLOO, SC 29384-5022 |
| Document Number | 0D17550105 |
| Book / Page | D1755 / 105 |
| Map Reference | CAB A SL 318 PG 10 |
| Instrument Date | Aug 8, 2023 |
| Instrument | 2023006383 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 226 TOPSAIL DR, WATERLOO, SC 29384-5022 |
| Investor | Possibly a Property Investor |
Source: Laurens County assessment roll, as of February 3, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Laurens County |
| Unified School District | Laurens School District 55 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,698.00 (+4.65%) Homeowner's exemption | $17,940 (-) Land $3,800 Building $14,140 | |
| 2024 | $2,578.00 (-44.2%) Homeowner's exemption | $17,940 (+22.88%) Land $3,800 Building $14,140 | |
| 2023 | $4,620.00 (-8.79%) | $14,600 (-4.14%) Land $3,600 Building $11,000 | $365,000 (+41.47%) Land $90,000 Building $275,000 |
| 2022 | $5,065.00 | $15,230 Land $5,450 Building $9,780 | $258,000 (-42.47%) Land $95,000 Building $163,000 |
| 2021 | $448,500 Land $95,000 Building $353,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 98% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 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 |
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