Laurens County property record for 276 Loretta Ln, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $374,000 (Oct 2025) |
| Tax Bill | $7,015 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Line of Credit Jul 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 277-00-00-025 |
| Primary APN | 277-00-00-025 |
|---|---|
| Alternative APNs |
|
| Old Parcel Number | 2770000025 95706389 |
|---|---|
| Street Address | 276 LORETTA LN |
| City | WATERLOO |
| State | SC |
| Zip | 29384-3744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIST:55 MAP REF:1943-231 13-255 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | CROSS HILL |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 921001 |
Source: Laurens County records, as of February 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 276 LORETTA LN, WATERLOO, SC 29384-3744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2025 | Deed, Transfer · Line of Credit COUNTYBANK |
| Jul 5, 2024 | Deed, Transfer |
| May 11, 2022 | Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC |
| Nov 22, 2019 | Grant Deed, Transfer · Conventional with PMI ON Q FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2025 · Amount on Record |
| Deed Sale | Oct 13, 2025 · Amount on Record |
| Prior Sale | Jul 5, 2024 · Amount on Record |
| Deed Document Number | 2025009319 |
| Deed Book / Page | D1943 / 231 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Oct 13, 2025 |
| Property Address | 276 LORETTA LN, WATERLOO, SC 29384-3744 |
| Document Number | 0D19430231 |
| Book / Page | D1943 / 231 |
| Map Reference | MB 13 PG 255 |
| Instrument Date | Oct 3, 2025 |
| Instrument | 2025009319 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $972.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 276 LORETTA LN, WATERLOO, SC 29384-3744 |
| Document Number | 2025009320 |
|---|---|
| Date | Oct 13, 2025 |
| Instrument | 2025009320 |
| Name | COUNTYBANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Jul 5, 2024 |
| Property Address | 276 LORETTA LN, WATERLOO, SC 29384-3744 |
| Document Number | 0D18280237 |
| Book / Page | D1828 / 237 |
| Map Reference | MB 13 PG 255 |
| Instrument Date | Jul 2, 2024 |
| Instrument | 2024005180 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 526 SANDSHORE DR, GREENWOOD, SC 29649-9743 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | May 11, 2022 |
| Property Address | 276 LORETTA LN, WATERLOO, SC 29384-3744 |
| Document Number | 0D16510228 |
| Book / Page | D1651 / 228 |
| Map Reference | MB 13 PG 255 |
| Instrument Date | May 9, 2022 |
| Instrument | 2022004418 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $910.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 64 VARNER ST, WOODRUFF, SC 29388-8767 |
| Document Number | 2022004419 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 2022004419 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Nov 22, 2019 |
| Property Address | 276 LORETTA LN, WATERLOO, SC 29384-3744 |
| Document Number | 0014790209 |
| Book / Page | 001479 / 000209 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 11441 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $629.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1922 SHARON RD WOODRUFF SC 293889743, WOODRUFF, SC 29388-9743 |
| Document Number | 25440203 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 002544/000203 |
| Instrument | 11442 |
| Name | ON Q FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85281 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
Source: Laurens County assessment roll, as of September 13, 2025
| 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 | $7,015.00 (+217.85%) | $20,380 (-) Land $10,390 Building $9,990 | |
| 2024 | $2,207.00 (-64.17%) | $20,380 (-) Land $10,390 Building $9,990 | |
| 2023 | $6,160.00 (+72.84%) | $20,380 (+91.18%) | $339,700 (+73.32%) Building $339,700 |
| 2022 | $3,564.00 | $10,660 Land $4,900 Building $5,760 | $196,000 (-42.3%) Land $100,000 Building $96,000 |
| 2021 | $339,700 Land $173,200 Building $166,500 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 97% of the US · lower than 99.1% of South Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAURENS COUNTY W&S COMM serves 44,866 people · EPA ID SC3020001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Piedmont Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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