46 Rugar Dr, Lugoff, SC 29078 Property Records

Kershaw County property record for 46 Rugar Dr, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,860 sqft · built 2017
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$237,900 (Sep 2019)
Tax Bill	$1,653 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`308-10-04-081-SHK`

Property Details

APN / Parcel Number

Primary APN	`308-10-04-081-SHK`
Alternative APN	`47818`

Interior

Stories	2 Stories
Building Area	2,860 sqft Gross Area

Exterior

Year Built	Built 2017
Exterior Material	Vinyl
Lot Area	20,038 sqft (0.46 acres)

Location & Zoning

Account Number	47818
Old Parcel Number	308-10-04-081 SHK
Street Address	46 RUGAR DR
City	LUGOFF
State	SC
Zip	29078-8627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GD
Legal Description	HUNTERS CROSSING SUBDIV PHASE 4 LOT 81
Legal Subdivision	HUNTERS CROSSING SUBDIV
Legal Phase	4
Legal Lot Number	81
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	970907

Owner

46 Rugar Dr is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	46 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
Sep 18, 2019	Warranty Deed, Transfer · VA Mortgage MOVEMENT MTG
Nov 2, 2018	Grant Deed, Transfer · Conventional Mortgage MOVEMENT MTG
Aug 2, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI FIRSTBANK
Jan 6, 2017	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Deed Document Number	0000040945
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KERSHAW SC
Recording Date	Sep 18, 2019
Property Address	46 RUGAR DR, LUGOFF, SC 29078-8627
Document Number	0000007534
Book / Page	004094 / 000007
Instrument Date	Sep 10, 2019
Instrument	7534
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 RUGAR DR LUGOFF SC 290788627, LUGOFF, SC 29078-8627

Mortgage

Document Number	7535
Date	Sep 18, 2019
Book Page	004094/000007
Instrument	7535

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Nov 2, 2018
Property Address	46 RUGAR DR, LUGOFF, SC 29078-8627
Document Number	0000008720
Book / Page	003942 / 000117
Instrument Date	Oct 19, 2018
Instrument	8720
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	46 RUGAR DR LUGOFF SC 290788627, LUGOFF, SC 29078-8627

Mortgage

Document Number	8721
Date	Nov 2, 2018
Book Page	003942/000121
Instrument	8721

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Aug 2, 2017
Property Address	46 RUGAR DR, LUGOFF, SC 29078-8627
Document Number	0000006201
Book / Page	003730 / 000266
Instrument Date	Jul 31, 2017
Instrument	6201
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$835.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	46 RUGAR DR LUGOFF SC 290788627, LUGOFF, SC 29078-8627

Mortgage

Document Number	6202
Date	Aug 2, 2017
Book Page	003730/000269
Instrument	6202

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Jan 6, 2017
Property Address	46 RUGAR DR, LUGOFF, SC 29078-8627
Document Number	0000000116
Book / Page	003634 / 000257
Instrument Date	Dec 29, 2016
Instrument	116
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$555.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	90 N ROYAL TOWER DR IRMO SC 290632791, IRMO, SC 29063-2791

Tax Assessment & Valuation

The 2025 property tax bill for 46 Rugar Dr was $1,653.

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	$1,653.00	$236,300 Land $30,000 Building $206,300	$236,300
2023	$1,662.00	$236,300 Land $30,000 Building $206,300	$236,300

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

Flood

FEMA maps place 46 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 46 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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