2896 Lake Rd, Ridgeway, SC 29130 Property Records

Kershaw County property record for 2896 Lake Rd, Ridgeway, SC 29130

Property Summary

Property Type	Single Family Home
Details	3,310 sqft · built 2006
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Sep 2017)
Tax Bill	$1,916 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`176-02-06-163`

Property Details

APN / Parcel Number

Primary APN	`176-02-06-163`
Alternative APNs	`0176 02 06 1630` `13340`

Interior

Stories	1 Story
Building Area	3,310 sqft Gross Area
Gross Area	1,658 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Wood
Construction Type	Frame
Lot Area	36,155 sqft
Porch	Porch
Porch Area	1,032 sqft

Location & Zoning

Account Number	13340
Old Parcel Number	0176 02 06 1630
Street Address	2896 LAKE RD
City	RIDGEWAY
State	SC
Zip	29130-9663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	LAKE WATREEE LOT 163
Legal Subdivision	RONALD M LEMMOND
Legal Lot Number	163
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
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
Mailing Address	2896 LAKE RD, RIDGEWAY, SC 29130-9663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Oct 18, 2017	Grant Deed, Transfer · Conventional with PMI SYNOVUS MTG
Jan 25, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2017 · Amount on Record
Deed Sale	Sep 26, 2017 · Amount on Record
Deed Document Number	0003767159
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	2896 LAKE RD, RIDGEWAY, SC 29130-9663
Document Number	0000012095
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2896 LAKE RD RIDGEWAY SC 291309663, RIDGEWAY, SC 29130-9663

Mortgage

Document Number	0000012095
Date	Dec 17, 2020
Book Page	004369/000017
Instrument	12095

Lender

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

Agreement

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

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Oct 18, 2017
Property Address	2896 LAKE RD, RIDGEWAY, SC 29130-9663
Document Number	0000008431
Book / Page	003767 / 000159
Instrument Date	Sep 26, 2017
Instrument	8431
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,147.00
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	2896 LAKE RD RIDGEWAY SC 291309663, RIDGEWAY, SC 29130-9663

Mortgage

Document Number	8432
Date	Oct 18, 2017
Book Page	003767/000163
Instrument	8432

Lender

Name	SYNOVUS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2047

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KERSHAW SC
Recording Date	Jan 25, 2017
Property Address	2896 LAKE RD, RIDGEWAY, SC 29130-9663
Document Number	0000000603
Book / Page	003642 / 000066
Instrument Date	Jan 6, 2017
Instrument	603
Transaction Type	Foreclosure
Record Updated	Feb 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9.25
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

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	$1,916.00 (-0.62%)	$368,300 (+0.93%) Land $175,000 Building $193,300	$368,300 (+0.93%)
2023	$1,928.00	$364,900 Land $175,000 Building $189,900	$364,900

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 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	Moderate above 47% of the US · above 43% of South Carolina
Wildfire Likelihood	0.1% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable · Fiber in parts of the area	500 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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