Laurens County property record for 354 Topsail Dr, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.743 acres (32,404 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,383 (2025) |
| Deeds & Mortgages | Jun 2025 Transfer Aug 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 339-00-00-047 |
| Primary APN | 339-00-00-047 |
|---|---|
| Alternative APNs |
|
| Lot Area | 32,404 sqft (0.743 acres) |
|---|
| Street Address | 354 TOPSAIL DR |
|---|---|
| City | WATERLOO |
| State | SC |
| Zip | 29384-5023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 101 & 101A RIDGEWD HARB II |
| Legal Subdivision | RIDGEWOOD HARBOR SUBDIVISION |
| Legal Phase | 2 |
| Legal Lot Number | 101 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | CROSS HILL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 921001 |
Source: Laurens County records, as of February 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 354 TOPSAIL DR, WATERLOO, SC 29384-5023 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jun 27, 2025 | Intrafamily Transfer, Transfer |
| Aug 10, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Apr 28, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 21, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 26, 2025 |
| Transfer Doc | 0D19140174 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Jun 27, 2025 |
| Property Address | 354 TOPSAIL DR, WATERLOO, SC 29384-5023 |
| Document Number | 0D19140174 |
| Book / Page | D1914 / 174 |
| Map Reference | MB A-38 PG 10 |
| Instrument Date | Jun 26, 2025 |
| Instrument | 2025005690 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 354 TOPSAIL DR, WATERLOO, SC 29384-5023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 354 TOPSAIL DR, WATERLOO, SC 29384-5023 |
| Document Number | 0026110096 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 354 TOPSAIL DR WATERLOO SC 293845023, WATERLOO, SC 29384-5023 |
| Document Number | 0026110096 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 002611/000096 |
| Instrument | 6145 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 13, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Apr 28, 2020 |
| Property Address | 354 TOPSAIL DR, WATERLOO, SC 29384-5023 |
| Document Number | 0015030093 |
| Book / Page | 001503 / 000093 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 3155 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 354 TOPSAIL DR WATERLOO SC 293845023, WATERLOO, SC 29384-5023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 354 TOPSAIL DR, WATERLOO, SC 29384-5023 |
| Document Number | 0024170005 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 354 TOPSAIL DR WATERLOO SC 293845023, WATERLOO, SC 29384-5023 |
| Document Number | 0024170005 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 002417/000005 |
| Instrument | 2564 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 26, 2043 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,383.00 (+4.54%) | $14,980 (+50.1%) Land $7,220 Building $7,760 | |
| 2024 | $1,323.00 (+45.07%) Homeowner's exemption | $9,980 (-63.2%) Land $4,800 Building $5,180 | |
| 2023 | $912.00 | $27,120 (+172.29%) Land $9,040 Building $18,080 | $452,000 (+81.53%) Building $452,000 |
| 2022 | $9,960 Land $5,000 Building $4,960 | $249,000 (-6.57%) Land $125,000 Building $124,000 | |
| 2021 | $266,500 Land $125,000 Building $141,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 | Moderate above 40% of the US · lower than 78% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.07% 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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