Laurens County property record for 351 Ridgewood Dr, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $840,000 (May 2026) |
| Tax Bill | $12,824 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 339-00-00-088* |
| Primary APN | 339-00-00-088* |
|---|---|
| Alternative APNs |
|
| Street Address | 351 RIDGEWOOD DR |
|---|---|
| City | WATERLOO |
| State | SC |
| Zip | 29384-5011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 58 RIDGEWOOD HARBOR PH I |
| Legal Subdivision | RIDGEWOOD HARBOR |
| Legal Tract | 58 |
| Legal Lot Number | 58 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | CROSS HILL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 921001 |
Source: Laurens County records, as of May 29, 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 |
|---|---|
| Mailing Address | PO BOX 1547, GREENWOOD, SC 29648-1547 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2026 | Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT |
| May 5, 2020 | Grant Deed, Transfer · Conventional Mortgage FIRST CITIZENS BK |
| Dec 16, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on Record |
| Deed Sale | May 22, 2026 · Amount on Record |
| Prior Sale | Aug 26, 2024 · Amount on Record |
| Deed Document Number | 20265197 |
| Deed Book / Page | 2009 / 61 |
| Prior Transfer Date | Nov 5, 2024 |
| Prior Transfer Doc | 0000008981 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | May 22, 2026 |
| Property Address | 351 RIDGEWOOD DR, WATERLOO, SC 29384-5011 |
| Document Number | 0000005197 |
| Book / Page | 2009 / 61 |
| Instrument Date | May 22, 2026 |
| Instrument | 20265197 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $313,908.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000005198, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 20265198 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | May 5, 2020 |
| Property Address | 351 RIDGEWOOD DR, WATERLOO, SC 29384-5011 |
| Document Number | 0015040074 |
| Book / Page | 001504 / 000074 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 3318 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 351 RIDGEWOOD DR WATERLOO SC 293845011, WATERLOO, SC 29384-5011 |
| Document Number | 25830302 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 002583/000302 |
| Instrument | 3319 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 4, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Dec 16, 2019 |
| Property Address | 351 RIDGEWOOD DR, WATERLOO, SC 29384-5011 |
| Document Number | 0014830150 |
| Book / Page | 001483 / 000150 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 12085 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2212 CAMBRIDGE AVE E GREENWOOD SC 296464306, GREENWOOD, SC 29646-4306 |
Source: Laurens County assessment roll, as of February 3, 2026
| 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 | $12,824.00 (+918.59%) | $37,410 (+182.98%) Land $12,000 Building $25,410 | |
| 2023 | $1,259.00 (-28.71%) Homeowner's exemption | $13,220 (-) Land $3,800 Building $9,420 | $330,500 (-) Land $95,000 Building $235,500 |
| 2022 | $1,766.00 Homeowner's exemption | $13,220 Land $3,800 Building $9,420 | $330,500 (-46.99%) Land $95,000 Building $235,500 |
| 2021 | $623,500 Land $200,000 Building $423,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 63% of the US · lower than 89% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Piedmont Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Fiber | 1,000 / 1,000 |
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