2394 Lake Rd, Ridgeway, SC 29130 Property Records

Kershaw County property record for 2394 Lake Rd, Ridgeway, SC 29130

Property Summary

Property Type	Single Family Home
Details	4,341 sqft
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Dec 2018)
Tax Bill	$2,514 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Apr 2023 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`177-02-06-025`

Property Details

APN / Parcel Number

Primary APN	`177-02-06-025`
Alternative APNs	`0177 02 06 0250` `13131`

Interior

Stories	1 Story
Building Area	4,341 sqft Gross Area
Basement Area	1,740 sqft
Unfinished Basement	1,740 sqft

Exterior

Construction Type	Frame
Lot Area	37,462 sqft (0.86 acres)
Porch	Porch
Porch Area	45 sqft
Deck Area	486 sqft

Location & Zoning

Account Number	13131
Street Address	2394 LAKE RD
City	RIDGEWAY
State	SC
Zip	29130-9660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LOT 25
Legal Subdivision	SECTION 6 LAKE WATEREE
Legal Lot Number	25
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4005
Census Tract	970401

Owner

Source: Kershaw County records, as of April 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	2394 LAKE RD, RIDGEWAY, SC 29130-9660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Apr 20, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 28, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 14, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Dec 4, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2018 · Amount on Record
Deed Sale	Dec 4, 2018 · Amount on Record
Prior Sale	Jan 11, 2013 · Amount on Record
Deed Document Number	20189514
Deed Book / Page	3955 / 222
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2394 LAKE RD, RIDGEWAY, SC 29130-9660
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	SILK COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020262823
Date	Mar 27, 2026
Book Page	5554/65
Instrument	2026-2823

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2394 LAKE RD, RIDGEWAY, SC 29130-9660
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300003221
Date	Apr 20, 2023
Book Page	4929/182
Instrument	202300003221

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2394 LAKE RD, RIDGEWAY, SC 29130-9660
Document Number	0000012094
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2394 LAKE RD RIDGEWAY SC 291309660, RIDGEWAY, SC 29130-9660

Mortgage

Document Number	0000012094
Date	Dec 17, 2020
Book Page	004369/000001
Instrument	12094

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Dec 16, 2047

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2394 LAKE RD, RIDGEWAY, SC 29130-9660
Document Number	0000009801
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2394 LAKE RD RIDGEWAY SC 291309660, RIDGEWAY, SC 29130-9660

Mortgage

Document Number	0000009801
Date	Dec 5, 2019
Book Page	004135/000083
Instrument	9801

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Dec 4, 2018
Property Address	2394 LAKE RD, RIDGEWAY, SC 29130-9660
Document Number	0000009514
Book / Page	003955 / 000222
Instrument Date	Nov 30, 2018
Instrument	9514
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,406.00
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	2394 LAKE RD RIDGEWAY SC 291309660, RIDGEWAY, SC 29130-9660

Mortgage

Document Number	9515
Date	Dec 4, 2018
Book Page	003955/000226
Instrument	9515

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2048

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	$2,514.00 (-0.63%)	$432,900 (-) Land $215,000 Building $217,900	$432,900 (-)
2023	$2,530.00	$432,900 Land $215,000 Building $217,900	$432,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Oct 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Oct 2024 · 3 claims

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	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures