465 Smith Rd, Lugoff, SC 29078 Property Records

Kershaw County property record for 465 Smith Rd, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	1,490 sqft · built 1997
Owner	2 Individual Names on File
Last Sale	$76,000 (Sep 1997)
Tax Bill	$962 (2025)
Deeds & Mortgages	Feb 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`308-04-00-044-SDZ`

Property Details

APN / Parcel Number

Primary APN	`308-04-00-044-SDZ`
Alternative APN	`30903`

Interior

Stories	1 Story
Building Area	1,490 sqft Gross Area
Gross Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Vinyl
Garage Type	Detached
Garage Area	384 sqft
Porch	Porch
Porch Area	272 sqft
Deck Area	25 sqft

Location & Zoning

Account Number	30903
Old Parcel Number	308-04-00-044 SDZ
Street Address	465 SMITH RD
City	LUGOFF
State	SC
Zip	29078-9215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:277F MAP REF:BK A-89 PG 10A
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1008
Census Tract	970905

Owner

Source: Kershaw County records · APN 308-04-00-044-SDZ

Assessment roll updated September 13, 2025 · Last verified November 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 File
Mailing Address	465 SMITH RD, LUGOFF, SC 29078-9215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 25, 1997 · Amount on Record
Deed Sale	Sep 25, 1997 · Amount on Record
Deed Document Number	0000560293
Record Updated	Jun 08, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	465 SMITH RD, LUGOFF, SC 29078-9215
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 SMITH RD, LUGOFF, SC 29078-9215

Mortgage

Document Number	0002024909
Date	Feb 05, 2024
Book Page	5083/169
Instrument	2024-909

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2054

Tax Assessment & Valuation

Source: Kershaw County records · Assessment roll updated September 13, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Kershaw County
Unified School District	Kershaw County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$962.00 (-0.52%)	$123,500 (-) Land $15,000 Building $108,500	$123,500 (-)
2023	$967.00	$123,500 Land $15,000 Building $108,500	$123,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kershaw County (45055C), updated September 28, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 450559709051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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	4 in force

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 130 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	LUGOFF ELGIN WATER AUTH serves 25,783 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.