25 Oak Ridge Dr, Lugoff, SC 29078 Property Records

Kershaw County property record for 25 Oak Ridge Dr, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	3,133 sqft · built 1997
Lot Size	0.673 acres (29,327 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (May 2020)
Tax Bill	$1,568 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`309-02-00-035-SDE`

Property Details

APN / Parcel Number

Primary APN	`309-02-00-035-SDE`
Alternative APN	`31630`

Interior

Stories	2 Stories
Building Area	3,133 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Lot Area	29,327 sqft (0.673 acres)
Garage Type	Attached
Garage Area	552 sqft
Porch	Porch
Porch Area	142 sqft
Deck Area	340 sqft

Location & Zoning

Account Number	31630
Street Address	25 OAK RIDGE DR
City	LUGOFF
State	SC
Zip	29078-9023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	PEPPER RIDGE SOUTH SUBDIV PHASE 1 LOT 35
Legal Subdivision	PEPPER RIDGE SOUTH SUBDIV
Legal Phase	1
Legal Lot Number	35
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2002
Census Tract	970905

Owner

25 Oak Ridge Dr is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	25 OAK RIDGE DR, LUGOFF, SC 29078-9023
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 15, 2020	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2020 · Amount on File
Deed Sale	May 15, 2020 · Amount on File
Prior Sale	Dec 17, 2013
Deed Document Number	20204151
Deed Book / Page	4222 / 54
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	25 OAK RIDGE DR, LUGOFF, SC 29078-9023
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020258516
Date	Oct 8, 2025
Book Page	5444/308
Instrument	2025-8516

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2035

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	May 15, 2020
Property Address	25 OAK RIDGE DR, LUGOFF, SC 29078-9023
Document Number	0000004151
Book / Page	004222 / 000054
Instrument Date	May 15, 2020
Instrument	4151
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OAK RIDGE DR LUGOFF SC 290789023, LUGOFF, SC 29078-9023

Mortgage

Document Number	4152
Date	May 15, 2020
Book Page	004222/000057
Instrument	4152

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 25 Oak Ridge Dr was $1,568.

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	$1,568.00	$222,600 Land $30,000 Building $192,600	$222,600
2023	$1,577.00	$222,600 Land $30,000 Building $192,600	$222,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 Oak Ridge Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 25 Oak Ridge Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 93% of South Carolina
Wildfire Likelihood	0.03% 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 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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