Kershaw County property record for 45 Derby Ln, Lugoff, SC 29078
| Property Type | Single Family Home |
|---|---|
| Details | 2,697 sqft · built 2008 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $157,600 (Apr 2008) |
| Tax Bill | $1,244 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2024 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 296-20-02-008-SFZ |
| Primary APN | 296-20-02-008-SFZ |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,697 sqft Gross Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Vinyl |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Porch |
| Porch Area | 60 sqft |
| Patio Area | 200 sqft |
| Account Number | 49859 |
|---|---|
| Street Address | 45 DERBY LN |
| City | LUGOFF |
| State | SC |
| Zip | 29078-8750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Subdivision | PLAT OF CANTER FIELD SUB PH 2 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 970403 |
Source: Kershaw County records, as of April 24, 2026
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 | 45 DERBY LN, LUGOFF, SC 29078-8750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Survivor |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · VA Mortgage VISIONET SYSTEMS INC, VISIONET SYSTEMS |
| Mar 13, 2024 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 13, 2023 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2008 · Amount on Record |
| Deed Sale | Apr 17, 2008 · Amount on Record |
| Prior Sale | Dec 20, 2007 · Amount on Record |
| Deed Book / Page | 2348 / 226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Apr 15, 2026 |
| Property Address | 45 DERBY LN, LUGOFF, SC 29078-8750 |
| Document Number | 0000003450 |
| Book / Page | 5568 / 1 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20263450 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | VISIONET SYSTEMS INC, VISIONET SYSTEMS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 45 DERBY LN, LUGOFF, SC 29078-8750 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003450, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 5568/1 |
| Instrument | 20263450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 45 DERBY LN, LUGOFF, SC 29078-8750 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 45 DERBY LN, LUGOFF, SC 29078-8750 |
| Document Number | 0020241927 |
|---|---|
| Date | Mar 13, 2024 |
| Book Page | 5102/236 |
| Instrument | 2024-1927 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 45 DERBY LN, LUGOFF, SC 29078-8750 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 45 DERBY LN, LUGOFF, SC 29078-8750 |
| Document Number | 0020235017 |
|---|---|
| Date | Jun 13, 2023 |
| Book Page | 4961/219 |
| Instrument | 2023-5017 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
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 | $1,244.00 (-2.66%) | $169,600 (-) Land $28,200 Building $141,400 | $169,600 (-) |
| 2023 | $1,278.00 | $169,600 Land $28,200 Building $141,400 | $169,600 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2013–2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Feb 2021 · rainfall accumulation |
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 43% of the US · lower than 67% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TruVista Communications Fiber · Cable in parts of the area | 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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