2309 Ridgeway Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 2309 Ridgeway Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,031 sqft
Lot Size	4.2 acres (182,952 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,029 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jun 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265-00-00-090`

Property Details

APN / Parcel Number

Primary APN	`265-00-00-090`
Alternative APNs	`0265 00 00 0900` `44695`

Interior

Stories	1 Story
Building Area	2,031 sqft Gross Area

Exterior

Exterior Material	Vinyl
Lot Area	182,952 sqft (4.2 acres)
Porch	Porch
Porch Area	52 sqft
Deck Area	144 sqft

Location & Zoning

Account Number	44695
Street Address	2309 RIDGEWAY RD
City	LUGOFF
State	SC
Zip	29078-9778
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD2
Legal Description	2115-130 1866-149 1365-255
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	970401

Owner

Source: Kershaw County records, as of November 7, 2025

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	2309 RIDGEWAY RD, LUGOFF, SC 29078-9778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jun 24, 2019	Correction Deed, Transfer NOT AVAILABLE
Jun 19, 2019	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019
Deed Sale	Jun 24, 2019
Prior Sale	Feb 2, 2007
Deed Document Number	20194886
Deed Book / Page	4047 / 124
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2309 RIDGEWAY RD, LUGOFF, SC 29078-9778
Document Number	0000002081
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2309 RIDGEWAY RD LUGOFF SC 290789778, LUGOFF, SC 29078-9778

Mortgage

Document Number	0000002081
Date	Mar 9, 2020
Book Page	004182/000293
Instrument	2081

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	KERSHAW SC
Recording Date	Jun 24, 2019
Property Address	2309 RIDGEWAY RD, LUGOFF, SC 29078-9778
Document Number	0000004886
Book / Page	004047 / 000124
Instrument Date	Jun 19, 2019
Instrument	4886
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2309 RIDGEWAY RD LUGOFF SC 290789778, LUGOFF, SC 29078-9778

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2309 RIDGEWAY RD, LUGOFF, SC 29078-9778
Document Number	0000004887
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2309 RIDGEWAY RD LUGOFF SC 290789778, LUGOFF, SC 29078-9778

Mortgage

Document Number	0000004887
Date	Jun 24, 2019
Book Page	004047/000128
Instrument	4887

Lender

Name	STEARNS LNDG LLC
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 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	$1,029.00 (-14.46%)	$156,500 (-) Land $36,500 Building $120,000	$156,500 (-)
2023	$1,203.00	$156,500 Land $36,500 Building $120,000	$156,500

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	Moderate above 44% of the US · lower than 64% of South Carolina
Wildfire Likelihood	0.07% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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