Laurens County property record for 355 Ridgewood Harbor Rd, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Lot Size | 4.48 acres (195,149 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Dec 2019) |
| Tax Bill | $2,016 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 339-00-00-080 |
| Primary APN | 339-00-00-080 |
|---|---|
| Alternative APNs |
|
| Lot Area | 195,149 sqft (4.48 acres) |
|---|
| Old Parcel Number | 3390000080 01117395 |
|---|---|
| City | WATERLOO |
| State | SC |
| Zip | 29384 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 12-13 RIDGEWOOD HARBOR |
| Legal Subdivision | RIDGEWOOD HARBOR |
| Legal Phase | 3 |
| Legal Lot Number | 12,13 13 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | CROSS HILL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 921001 |
355 Ridgewood Harbor Rd is owned by two individuals who acquired it in December 2019.
Source: Laurens County records, as of February 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 355 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5033 |
| 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.
| Date | Document |
|---|---|
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 4, 2019 | Grant Deed, Transfer · Conventional with PMI ATLANTIC BAY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2019 · Amount on File |
| Deed Sale | Dec 2, 2019 · Amount on File |
| Deed Document Number | 0000014811 |
| Deed Book / Page | 1481 / 1 |
| Last Transfer Date | Dec 4, 2019 |
| Transfer Doc | 0014810001 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 355 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5033 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0M27010279 |
|---|---|
| Date | May 24, 2021 |
| Book Page | M2701/279 |
| Instrument | 2021004693 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2046 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Dec 4, 2019 |
| Property Address | 355 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5033 |
| Document Number | 0014810001 |
| Book / Page | 001481 / 000001 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 11713 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,091.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 355 RIDGEWOOD HARBOR RD WATERLOO SC 293845033, WATERLOO, SC 29384-5033 |
| Document Number | 25470074 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 002547/000074 |
| Instrument | 11714 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2049 |
The 2025 property tax bill for 355 Ridgewood Harbor Rd was $2,016, up 4.6% from the year before.
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 | $2,016.00 (+4.62%) | $11,810 (-) Land $1,550 Building $10,260 | |
| 2024 | $1,927.00 (+45.76%) | $11,810 (-7.1%) Land $1,550 Building $10,260 | |
| 2023 | $1,322.00 (-28.77%) | $12,712 (+7.64%) Land $192 Building $12,520 | $317,800 (+7.67%) Land $4,800 Building $313,000 |
| 2022 | $1,856.00 | $11,810 Land $1,550 Building $10,260 | $295,150 (-) Land $38,650 Building $256,500 |
| 2021 | $295,150 Land $38,650 Building $256,500 |
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.
FEMA maps place 355 Ridgewood Harbor Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 355 Ridgewood Harbor Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 70% 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Piedmont Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
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