Kershaw County property record for 612 Emerson Rd, Lugoff, SC 29078
| Property Type | Single Family Home |
|---|---|
| Details | 1,395 sqft |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Apr 2022) |
| Tax Bill | $1,002 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 283-17-00-038 |
| Primary APN | 283-17-00-038 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,395 sqft Gross Area |
| Gross Area | 1,263 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Porch | Porch |
| Porch Area | 112 sqft |
| Account Number | 6718 |
|---|---|
| Old Parcel Number | 0283 17 00 0380 |
| Street Address | 612 EMERSON RD |
| City | LUGOFF |
| State | SC |
| Zip | 29078-9450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | EMERSON SUBDIV LOT 7,8, PO 9 |
| Legal Subdivision | EMERSON SUBDIV |
| Legal Lot Number | 7,8PO9 8 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 970402 |
612 Emerson Rd is owned and occupied by an individual who bought it in April 2022.
Source: Kershaw County records, as of November 6, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 612 EMERSON RD, LUGOFF, SC 29078-9450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| Apr 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| Aug 31, 2020 | Grant Deed, Transfer · Conventional with PMI SAFE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on File |
| Deed Sale | Apr 29, 2022 · Amount on File |
| Deed Document Number | 0000473124 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 612 EMERSON RD, LUGOFF, SC 29078-9450 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 612 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020258715 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 5448/280 |
| Instrument | 2025-8715 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92186 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 319 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 612 EMERSON RD, LUGOFF, SC 29078-9450 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 612 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020242908 |
|---|---|
| Date | Apr 16, 2024 |
| Book Page | 5120/174 |
| Instrument | 2024-2908 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92186 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | May 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Aug 31, 2020 |
| Property Address | 612 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0000007944 |
| Book / Page | 004292 / 000159 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 7944 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 612 EMERSON RD LUGOFF SC 290789450, LUGOFF, SC 29078-9450 |
| Document Number | 7945 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 004292/000162 |
| Instrument | 7945 |
| Name | SAFE FCU |
|---|---|
| Type | Credit Union |
| Address | SUMTER, SC 29150 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2050 |
The 2025 property tax bill for 612 Emerson Rd was $1,002.
Source: Kershaw County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,002.00 | $130,000 Land $25,000 Building $105,000 | $130,000 |
| 2023 | $944.00 | $130,000 Land $25,000 Building $105,000 | $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 612 Emerson Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
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 risk around 612 Emerson Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 91% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| TruVista Communications Cable | 500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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