2602 Lake Rd, Ridgeway, SC 29130 Property Records

Kershaw County property record for 2602 Lake Rd, Ridgeway, SC 29130

Property Summary

Property Type	Single Family Home
Details	2,812 sqft · built 2003
Lot Size	0.839 acres (36,590 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Oct 2017)
Tax Bill	$2,258 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`177-01-06-077`

Property Details

APN / Parcel Number

Primary APN	`177-01-06-077`
Alternative APNs	`0177 01 06 0770` `13206`

Interior

Stories	1 Story
Building Area	2,812 sqft Gross Area
Gross Area	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Other
Roof Material	Metal
Lot Area	36,590 sqft
Porch	Porch
Porch Area	480 sqft
Deck Area	192 sqft

Location & Zoning

Account Number	13206
Old Parcel Number	0177 01 06 0770
Street Address	2602 LAKE RD
City	RIDGEWAY
State	SC
Zip	29130-9220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	LOT 3
Legal Subdivision	CRESCENT LAND & TIMBER CORPORA
Legal Lot Number	3
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4005
Census Tract	970401

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	2602 LAKE RD, RIDGEWAY, SC 29130-9220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Oct 24, 2017	Grant Deed, Transfer · Conventional with PMI GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2017 · Amount on Record
Deed Sale	Oct 9, 2017 · Amount on Record
Deed Document Number	0003769156
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2602 LAKE RD, RIDGEWAY, SC 29130-9220
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2602 LAKE RD, RIDGEWAY, SC 29130-9220

Mortgage

Document Number	0020239371
Date	Oct 31, 2023
Book Page	5040/26
Instrument	2023-9371

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Oct 24, 2017
Property Address	2602 LAKE RD, RIDGEWAY, SC 29130-9220
Document Number	0000008575
Book / Page	003769 / 000156
Instrument Date	Oct 9, 2017
Instrument	8575
Transaction Type	Transfer
Record Updated	Nov 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.00
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	2602 LAKE RD RIDGEWAY SC 291309220, RIDGEWAY, SC 29130-9220

Mortgage

Document Number	8576
Date	Oct 24, 2017
Book Page	003769/000160
Instrument	8576

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 23, 2032

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	$2,258.00 (-0.62%)	$414,200 (-) Land $215,000 Building $199,200	$414,200 (-)
2023	$2,272.00	$414,200 Land $215,000 Building $199,200	$414,200

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 67% of the US · lower than 94% of South Carolina
Wildfire Likelihood	0.04% 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 44 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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