538 Railgate Loop, Lugoff, SC 29078 Property Records

Kershaw County property record for 538 Railgate Loop, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	1,413 sqft
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Aug 2017)
Tax Bill	$878 (2023)
Deeds & Mortgages	May 2026 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`336-01-0A-010-SES`

Property Details

APN / Parcel Number

Primary APN	`336-01-0A-010-SES`
Alternative APN	`35128`

Interior

Stories	1 Story
Building Area	1,413 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Vinyl
Lot Area	24,829 sqft (0.57 acres)
Porch	Porch
Porch Area	64 sqft
Patio Area	144 sqft

Location & Zoning

Account Number	35128
Street Address	538 RAILGATE LOOP
City	LUGOFF
State	SC
Zip	29078-8990
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	RAILGATE LOOP SUBDIV LOT 10
Legal Subdivision	RAILGATE LOOP SUBDIV
Legal Lot Number	10
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2003
Census Tract	970906

Owner

Source: Kershaw County assessment roll, as of November 7, 2025

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

Owner of Record	Individual Name on File
Mailing Address	538 RAILGATE LOOP, LUGOFF, SC 29078-8990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Mar 19, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Aug 2, 2017	Grant Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 2, 2017 · Amount on Record
Deed Sale	Aug 2, 2017 · Amount on Record
Prior Sale	Dec 14, 2004
Deed Document Number	20176224
Deed Book / Page	3731 / 160
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Recording Date	May 22, 2026
Property Address	538 RAILGATE LOOP, LUGOFF, SC 29078-8990
Document Number	0000004876
Book / Page	5596 / 117
Instrument Date	May 18, 2026
Instrument	20264876
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 RAILGATE LOOP, LUGOFF, SC 29078-8990
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004876,
Date	May 22, 2026
Book Page	5596/117
Instrument	20264876

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	538 RAILGATE LOOP, LUGOFF, SC 29078-8990
Document Number	0000002684
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 RAILGATE LOOP LUGOFF SC 290788990, LUGOFF, SC 29078-8990

Mortgage

Document Number	0000002684
Date	Mar 25, 2020
Book Page	004193/000001
Instrument	2684

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Aug 2, 2017
Property Address	538 RAILGATE LOOP, LUGOFF, SC 29078-8990
Document Number	0000006224
Book / Page	003731 / 000160
Instrument Date	Jul 31, 2017
Instrument	6224
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$437.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	538 RAILGATE LOOP LUGOFF SC 290788990, LUGOFF, SC 29078-8990

Mortgage

Document Number	6225
Date	Aug 2, 2017
Book Page	003731/000162
Instrument	6225

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

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		$120,900 (-) Land $18,000 Building $102,900	$120,900 (-)
2023	$878.00	$120,900 Land $18,000 Building $102,900	$120,900

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	1 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	Moderate above 44% of the US · lower than 64% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: TruVista Communications.

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