40 Rugar Dr, Lugoff, SC 29078 Property Records

Kershaw County property record for 40 Rugar Dr, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	3,785 sqft · built 2007
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$247,900 (Mar 2020)
Tax Bill	$1,725 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`308-10-04-084-SHK`

Property Details

APN / Parcel Number

Primary APN	`308-10-04-084-SHK`
Alternative APN	`47821`

Interior

Stories	2 Stories
Building Area	3,785 sqft Gross Area
Gross Area	2,737 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Vinyl
Lot Area	18,295 sqft (0.419 acres)
Garage Type	Attached
Garage Area	504 sqft
Porch	Porch
Porch Area	294 sqft
Deck Area	250 sqft

Location & Zoning

Account Number	47821
Old Parcel Number	308-10-04-084 SHK
Street Address	40 RUGAR DR
City	LUGOFF
State	SC
Zip	29078-8627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	HUNTERS CROSSING SUBDIV PHASE IV LOT 84
Legal Subdivision	HUNTERS CROSSING SUBDIV
Legal Phase	4
Legal Lot Number	84
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	970907

Owner

40 Rugar Dr is owned and occupied by an individual who acquired it in March 2020.

Source: Kershaw County records, as of November 6, 2025

Owner of Record	Individual Name on File
Mailing Address	40 RUGAR DR, LUGOFF, SC 29078-8627
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

Date	Document
Mar 9, 2020	Grant Deed, Transfer · FHA Mortgage RESOURCE FIN'L SVC
Dec 15, 2017	Quit Claim Deed, Transfer · VA Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Sep 10, 2009 · Amount on File
Deed Document Number	0004182276
Deed Book / Page	4182 / 276
Last Transfer Date	Mar 9, 2020
Transfer Doc	0000002078
Record Updated	Jun 8, 2026

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Mar 9, 2020
Property Address	40 RUGAR DR, LUGOFF, SC 29078-8627
Document Number	0000002078
Book / Page	004182 / 000276
Instrument Date	Mar 6, 2020
Instrument	2078
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RUGAR DR LUGOFF SC 290788627, LUGOFF, SC 29078-8627

Mortgage

Document Number	2079
Date	Mar 9, 2020
Book Page	004182/000280
Instrument	2079

Lender

Name	RESOURCE FIN'L SVC
Type	Funding / Finance Company
Address	COLUMBIA, SC 29205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2050

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KERSHAW SC
Recording Date	Dec 15, 2017
Property Address	40 RUGAR DR, LUGOFF, SC 29078-8627
Document Number	0000009996
Book / Page	003793 / 000052
Instrument Date	Dec 11, 2017
Instrument	9996
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 RUGAR DR LUGOFF SC 290788627, LUGOFF, SC 29078-8627

Mortgage

Document Number	9997
Date	Dec 15, 2017
Book Page	003793/000055
Instrument	9997

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 40 Rugar Dr was $1,725.

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	$1,725.00	$247,900 Land $30,000 Building $217,900	$247,900
2023	$5,090.00	$247,900 Land $30,000 Building $217,900	$247,900

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

Flood

FEMA maps place 40 Rugar Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 40 Rugar Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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