46 Derby Ln, Lugoff, SC 29078 Property Records

Kershaw County property record for 46 Derby Ln, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,266 sqft · built 2007
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on File
Tax Bill	$1,097 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`296-20-02-023-SFZ`

Property Details

APN / Parcel Number

Primary APN	`296-20-02-023-SFZ`
Alternative APN	`49356`

Interior

Stories	1 Story
Building Area	2,266 sqft Gross Area
Gross Area	1,574 sqft

Exterior

Year Built	Built 2007
Exterior Material	Vinyl
Lot Area	11,761 sqft (0.269 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Porch
Porch Area	130 sqft
Patio Area	100 sqft

Location & Zoning

Account Number	49356
Old Parcel Number	296-20-02-023 SFZ
Street Address	46 DERBY LN
City	LUGOFF
State	SC
Zip	29078-8750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	CANTERFIELD SUBDIV PHASE 2 LOT 23
Legal Subdivision	CANTERFIELD SUBDIV
Legal Phase	2
Legal Lot Number	23
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1012
Census Tract	970403

Owner

46 Derby Ln is owned and occupied by an individual who acquired it in August 2017.

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

Owner of Record	Individual Name on File
Mailing Address	46 DERBY LN, LUGOFF, SC 29078-8750
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2017
Deed Sale	Aug 23, 2017
Prior Sale	Feb 20, 2008 · Amount on File
Deed Document Number	0000374556
Deed Book / Page	2317 / 002
Prior Transfer Date	Feb 27, 2012
Prior Transfer Doc	01433
Record Updated	Jun 8, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KERSHAW SC
Recording Date	Sep 1, 2017
Property Address	46 DERBY LN, LUGOFF, SC 29078-8750
Document Number	0000007094
Book / Page	003745 / 000056
Instrument Date	Aug 23, 2017
Instrument	7094
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 DERBY LN LUGOFF SC 290788750, LUGOFF, SC 29078-8750

Mortgage

Document Number	7095
Date	Sep 1, 2017
Book Page	003745/000060
Instrument	7095

Lender

Name	JEAN K HOOD
Address	185 ROCKY POINT CIR, RIDGEWAY, SC 29130-8817

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 31, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 46 Derby Ln was $1,097.

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	$1,097.00	$145,500 Land $28,200 Building $117,300	$145,500
2023	$813.00	$145,500 Land $28,200 Building $117,300	$145,500

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

Flood

FEMA maps place 46 Derby Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 46 Derby Ln is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 70% 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.

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 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