549 Railgate Loop, Lugoff, SC 29078 Property Records

Kershaw County property record for 549 Railgate Loop, Lugoff, SC 29078 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	1,524 sqft
Lot Size	0.51 acres (22,216 sqft)
Owner	Owner Name on File
Last Sale	$98,000 (Mar 2005)
Tax Bill	$2,497 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`336-01-0B-007-SES`

Property Details

APN / Parcel Number

Primary APN	`336-01-0B-007-SES`
Alternative APN	`35165`

Interior

Stories	1 Story
Building Area	1,524 sqft Gross Area
Gross Area	1,308 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Vinyl
Lot Area	22,216 sqft (0.51 acres)
Porch	Porch
Porch Area	96 sqft
Deck Area	120 sqft

Location & Zoning

Account Number	35165
Old Parcel Number	336-01-0B-007 SES
Street Address	549 RAILGATE LOOP
City	LUGOFF
State	SC
Zip	29078-8990
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:279 MAP REF:BK A159 PG 2A
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2004
Census Tract	970906

Owner

Source: Kershaw County records · APN 336-01-0B-007-SES

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	Owner Name on File
Mailing Address	549 RAILGATE LOOP, LUGOFF, SC 29078-8990
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Mar 24, 2005 · Amount on Record
Deed Sale	Mar 24, 2005 · Amount on Record
Deed Document Number	0001730315
Deed Book / Page	1730 / 315
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	549 RAILGATE LOOP, LUGOFF, SC 29078-8990
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 RAILGATE LOOP, LUGOFF, SC 29078-8990
Investor	Possibly a Property Investor

Mortgage

Document Number	0020258498
Date	Oct 08, 2025
Book Page	5444/141
Instrument	2025-8498

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 01, 2055

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	$2,497.00 (+198.33%)	$130,400 (-) Land $18,000 Building $112,400	$130,400 (-)
2023	$837.00	$130,400 Land $18,000 Building $112,400	$130,400

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 450559709062, 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 35% of South Carolina
Wildfire Likelihood	About 1 in 1,887 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.