48 Rugar Dr, Lugoff, SC 29078 Property Records

Kershaw County property record for 48 Rugar Dr, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,910 sqft · built 2014
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$172,500 (Dec 2014)
Tax Bill	$1,421 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`308-10-04-080-SHK`

Property Details

APN / Parcel Number

Primary APN	`308-10-04-080-SHK`
Alternative APN	`47817`

Interior

Stories	2 Stories
Building Area	2,910 sqft Gross Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Account Number	47817
Street Address	48 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 SUBDIVISION PHASE 4
Legal Subdivision	HUNTERS CROSSING SUBDIV
Legal Phase	4
Legal Lot Number	80
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	970907

Owner

Source: Kershaw County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	48 RUGAR DR, LUGOFF, SC 29078-8627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Deed of Trust, Mortgage · Line of Credit MID CAROLINA CU
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2014 · Amount on Record
Deed Sale	Dec 15, 2014 · Amount on Record
Prior Sale	Aug 21, 2013 · Amount on Record
Deed Book / Page	3314 / 243
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	48 RUGAR DR, LUGOFF, SC 29078-8627
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002433
Date	Mar 24, 2023
Book Page	4915/259
Instrument	202300002433

Lender

Name	MID CAROLINA CU
Type	Credit Union
Address	LUGOFF, SC 29078

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 23, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	48 RUGAR DR, LUGOFF, SC 29078-8627
Document Number	0000012368
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 RUGAR DR LUGOFF SC 290788627, LUGOFF, SC 29078-8627

Mortgage

Document Number	0000012368
Date	Dec 29, 2020
Book Page	004374/000306
Instrument	12368

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

Tax Assessment & Valuation

Source: Kershaw County assessment roll, as of November 7, 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	$1,421.00 (-0.56%)	$214,900 (-) Land $30,000 Building $184,900	$214,900 (-)
2023	$1,429.00	$214,900 Land $30,000 Building $184,900	$214,900

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

Flood

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

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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