Laurens County property record for 454 Ridgewood Harbor Rd, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.28 acres (56,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $297,000 (Mar 2021) |
| Tax Bill | $1,669 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 339-00-00-103 |
| Primary APN | 339-00-00-103 |
|---|---|
| Alternative APNs |
|
| Lot Area | 56,049 sqft (1.28 acres) |
|---|
| Street Address | 454 RIDGEWOOD HARBOR RD |
|---|---|
| City | WATERLOO |
| State | SC |
| Zip | 29384-5032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 RIDGEWOOD AIR |
| Legal Subdivision | RONALD LEE BURTON |
| Legal Lot Number | 4 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | CROSS HILL |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 921001 |
454 Ridgewood Harbor Rd is owned and occupied by an individual who bought it in March 2021.
Source: Laurens County records, as of February 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 454 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5032 |
| 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.
| Date | Document |
|---|---|
| Jan 31, 2023 | Deed of Trust, Mortgage · Line of Credit NASA FCU |
| Mar 4, 2021 | Deed, Transfer · Conventional Mortgage ACOPIA LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2021 · Amount on File |
| Deed Sale | Mar 4, 2021 · Amount on File |
| Deed Document Number | 20211829 |
| Deed Book / Page | 1558 / 196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 454 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5032 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M29030227 |
|---|---|
| Date | Jan 31, 2023 |
| Book Page | M2903/227 |
| Instrument | 2023000702 |
| Name | NASA FCU |
|---|---|
| Type | Credit Union |
| Address | BOWIE, MD 20716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 242 Months |
| Due | Feb 28, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Mar 4, 2021 |
| Property Address | 454 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5032 |
| Document Number | 0D15580196 |
| Book / Page | D1558 / 196 |
| Map Reference | MB A290 PG 3 |
| Instrument Date | Mar 2, 2021 |
| Instrument | 2021001829 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,098.90 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 454 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5032 |
| Document Number | 0M26720266 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | M2672/266 |
| Instrument | 2021001830 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Address | GOODLETTSVILLE, TN 37072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 454 Ridgewood Harbor Rd was $1,669, up 4.6% from the year before.
Source: Laurens County assessment roll, as of February 3, 2026
| 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 | $1,669.00 (+4.57%) | $9,710 (-) Land $2,050 Building $7,660 | |
| 2024 | $1,596.00 (+45.36%) | $9,710 (+0.73%) Land $2,050 Building $7,660 | |
| 2023 | $1,098.00 (-28.56%) | $9,640 (-0.72%) Land $4,600 Building $5,040 | $241,000 (-0.7%) Land $115,000 Building $126,000 |
| 2022 | $1,537.00 | $9,710 Land $2,050 Building $7,660 | $242,700 (-) Land $51,200 Building $191,500 |
| 2021 | $242,700 Land $51,200 Building $191,500 |
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 454 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 454 Ridgewood Harbor Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 78% 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.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Piedmont Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Fiber | 1,000 / 1,000 |
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