Kershaw County property record for 409 Cook Rd, Lugoff, SC 29078
| Property Type | Single Family Home |
|---|---|
| Details | 3,156 sqft · built 2019 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $233,500 (Oct 2019) |
| Tax Bill | $1,639 (2025) |
| Deeds & Mortgages | Aug 2020 Loan Modification Oct 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 308-00-00-023 |
| Primary APN | 308-00-00-023 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,156 sqft Gross Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Lot Area | 21,780 sqft (0.5 acres) |
| Account Number | 7211 |
|---|---|
| Street Address | 409 COOK RD |
| City | LUGOFF |
| State | SC |
| Zip | 29078-8940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LOT 4 |
| Legal Lot Number | 4 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 970907 |
Source: Kershaw County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 COOK RD, LUGOFF, SC 29078-8940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2020 | Loan Modification, Mortgage · VA Mortgage MORTGAGE SOLUTIONS FIN'L |
| Oct 18, 2019 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE FIRM |
| May 3, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE SOLUTIONS/CO |
| Jul 3, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CMG FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2019 · Amount on Record |
| Deed Sale | Oct 18, 2019 · Amount on Record |
| Prior Sale | May 3, 2018 · Amount on Record |
| Deed Document Number | 20198444 |
| Deed Book / Page | 4110 / 215 |
| Prior Transfer Date | Jan 18, 2011 |
| Prior Transfer Doc | 0027620198 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 409 COOK RD, LUGOFF, SC 29078-8940 |
| Document Number | 0000008278 |
| Instrument Date | Aug 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 411 COOK RD LUGOFF SC 290788940, LUGOFF, SC 29078-8940 |
| Document Number | 0000008278 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 004299/000112 |
| Instrument | 8278 |
| Name | MORTGAGE SOLUTIONS FIN'L |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 9, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Oct 18, 2019 |
| Property Address | 409 COOK RD, LUGOFF, SC 29078-8940 |
| Document Number | 0000008444 |
| Book / Page | 004110 / 000215 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 8444 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $863.95 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 COOK RD LUGOFF SC 29078, LUGOFF, SC 29078 |
| Document Number | 8445 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 004110/000219 |
| Instrument | 8445 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | May 3, 2018 |
| Property Address | 409 COOK RD, LUGOFF, SC 29078-8940 |
| Document Number | 0000003471 |
| Book / Page | 003854 / 000129 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 3471 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $870.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 411 COOK RD LUGOFF SC 29078, LUGOFF, SC 29078 |
| Document Number | 3472 |
|---|---|
| Date | May 3, 2018 |
| Book Page | 003854/000133 |
| Instrument | 3472 |
| Name | MORTGAGE SOLUTIONS/CO |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 2, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Jul 3, 2017 |
| Property Address | 409 COOK RD, LUGOFF, SC 29078-8940 |
| Document Number | 0000005338 |
| Book / Page | 003717 / 000032 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 5338 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 22, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $832.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 732 WILDWOOD LN LUGOFF SC 29078, LUGOFF, SC 29078 |
| Document Number | 5339 |
|---|---|
| Date | Jul 3, 2017 |
| Book Page | 003717/000036 |
| Instrument | 5339 |
| Name | CMG FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 2, 2047 |
Source: Kershaw County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,639.00 (-0.55%) | $234,000 (-) Land $20,000 Building $214,000 | $234,000 (-) |
| 2023 | $1,648.00 | $234,000 Land $20,000 Building $214,000 | $234,000 |
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 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 | 2 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 | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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