32 Derby Ln, Lugoff, SC 29078 Property Records

Kershaw County property record for 32 Derby Ln, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,266 sqft · built 2007
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (Apr 2018)
Tax Bill	$83 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`296-20-02-031-SFZ`

Property Details

APN / Parcel Number

Primary APN	`296-20-02-031-SFZ`
Alternative APN	`49058`

Interior

Stories	1 Story
Building Area	2,266 sqft Gross Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Porch
Porch Area	130 sqft
Patio Area	100 sqft

Location & Zoning

Account Number	49058
Street Address	32 DERBY LN
City	LUGOFF
State	SC
Zip	29078-8750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	CANTERFIELD SUBDIV PHASE 2 LOT 31
Legal Subdivision	CANTERFIELD SUBDIV
Legal Phase	2
Legal Lot Number	31
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1012
Census Tract	970403

Owner

32 Derby Ln is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	32 DERBY LN, LUGOFF, SC 29078-8750
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2018 · Amount on File
Deed Sale	Apr 23, 2018 · Amount on File
Prior Sale	May 2, 2013
Deed Document Number	20183095
Deed Book / Page	3848 / 171
Record Updated	Jun 8, 2026

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Apr 23, 2018
Property Address	32 DERBY LN, LUGOFF, SC 29078-8750
Document Number	0000003095
Book / Page	003848 / 000171
Instrument Date	Apr 19, 2018
Instrument	3095
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2212 CAMDEN SC 290208004, CAMDEN, SC 29020-8004

Mortgage

Document Number	3096
Date	Apr 23, 2018
Book Page	003848/000174
Instrument	3096

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 32 Derby Ln was $83.

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	$83.00	$146,800 Land $28,200 Building $118,600	$146,800
2023	$1,092.00	$146,800 Land $28,200 Building $118,600	$146,800

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

Flood

FEMA maps place 32 Derby Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2013–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2021 · rainfall accumulation

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

Wildfire risk around 32 Derby Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.04% 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber · Cable in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20