359 Charm Hill Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 359 Charm Hill Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	1,353 sqft · built 2015
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (Jul 2019)
Tax Bill	$889 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`379-03-02-064-SGV`

Property Details

APN / Parcel Number

Primary APN	`379-03-02-064-SGV`
Alternative APN	`46668`

Interior

Stories	1 Story
Building Area	1,353 sqft Gross Area
Gross Area	1,263 sqft

Exterior

Year Built	Built 2015
Exterior Material	Vinyl
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	46668
Old Parcel Number	379-03-02-064 SGV
Street Address	359 CHARM HILL RD
City	LUGOFF
State	SC
Zip	29078-8648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-2
Legal Description	SUMMERSEAT SUBDIV PHASE 2 LOT 64
Legal Subdivision	SUMMERSEAT SUBDIV
Legal Phase	2
Legal Lot Number	64
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1041
Census Tract	970902

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	Individual Name on Record
Mailing Address	359 CHARM HILL RD, LUGOFF, SC 29078-8648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 23, 2019	Grant Deed, Transfer · FHA Mortgage GUILD MTG
May 17, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Deed Document Number	0000406383
Deed Book / Page	4063 / 83
Last Transfer Date	Jul 23, 2019
Transfer Doc	0000005767
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	359 CHARM HILL RD, LUGOFF, SC 29078-8648
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 CHARM HILL RD, LUGOFF, SC 29078-8648

Mortgage

Document Number	0020239670
Date	Nov 9, 2023
Book Page	5045/1
Instrument	2023-9670

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Jul 23, 2019
Property Address	359 CHARM HILL RD, LUGOFF, SC 29078-8648
Document Number	0000005767
Book / Page	004063 / 000083
Instrument Date	Jul 18, 2019
Instrument	5767
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$474.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	359 CHARM HILL RD LUGOFF SC 290788648, LUGOFF, SC 29078-8648

Mortgage

Document Number	5768
Date	Jul 23, 2019
Book Page	004063/000085
Instrument	5768

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KERSHAW SC
Property Address	359 CHARM HILL RD, LUGOFF, SC 29078-8648
Document Number	0000006280
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 CHARM HILL RD LUGOFF SC 290788648, LUGOFF, SC 29078-8648

Mortgage

Document Number	0000006280
Date	Aug 8, 2019
Book Page	004071/000279
Instrument	6280

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$889.00 (-2.63%)	$128,400 (-) Land $35,000 Building $93,400	$128,400 (-)
2023	$913.00	$128,400 Land $35,000 Building $93,400	$128,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2015 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2015 · 2 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 44% of the US · lower than 64% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
TRICOLINK Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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