578 Railgate Loop, Lugoff, SC 29078 Property Records

Kershaw County property record for 578 Railgate Loop, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	2,035 sqft · built 2003
Lot Size	1.21 acres (52,708 sqft)
Owner	Individual Name on Record
Tax Bill	$847 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`336-01-0A-021-SES`

Property Details

APN / Parcel Number

Primary APN	`336-01-0A-021-SES`
Alternative APN	`36612`

Interior

Stories	1 Story
Building Area	2,035 sqft Gross Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Lot Area	52,708 sqft (1.21 acres)
Garage Type	Attached
Garage Area	616 sqft
Porch	Porch
Porch Area	193 sqft

Location & Zoning

Account Number	36612
Street Address	578 RAILGATE LOOP
City	LUGOFF
State	SC
Zip	29078-8990
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	RAILGATE DEVELOPMENT
Legal Block	KA
Legal Lot Number	21
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2003
Census Tract	970906

Owner

Source: Kershaw County records, 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 Record
Mailing Address	578 RAILGATE LOOP, LUGOFF, SC 29078-8990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2015
Deed Sale	Oct 23, 2015
Prior Sale	Jul 28, 2003 · Amount on Record
Deed Book / Page	3445 / 192
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	578 RAILGATE LOOP, LUGOFF, SC 29078-8990
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020242355
Date	Mar 27, 2024
Book Page	5110/107
Instrument	2024-2355

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

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	$847.00 (+48.86%)	$124,800 (-) Land $18,000 Building $106,800	$124,800 (-)
2023	$569.00	$124,800 Land $18,000 Building $106,800	$124,800

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 46% of the US · above 40% 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 79 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, TruVista Communications.

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