Kershaw County property record for 622 Emerson Rd, Lugoff, SC 29078
| Property Type | Single Family Home |
|---|---|
| Details | 2,072 sqft · built 2023 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $232,500 (Dec 2023) |
| Tax Bill | $1,648 (2025) |
| Deeds & Mortgages | Sep 2023 Construction Loan Sep 2023 Construction Loan + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 283-17-00-037 |
| Primary APN | 283-17-00-037 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,072 sqft Gross Area |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Account Number | 6716 |
|---|---|
| Old Parcel Number | 0283 17 00 0370 |
| Street Address | 622 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 PARK SUBDIV LOT 3 |
| Legal Subdivision | EMERSON PARK SUBDIV |
| Legal Lot Number | 3 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 970402 |
622 Emerson Rd is owned and occupied by two individuals who bought it in December 2023.
Source: Kershaw County records, as of November 6, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 622 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 |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Construction Mortgage ARTHUR STATE BANK |
| Sep 20, 2023 | Deed of Trust, Mortgage · Construction Mortgage ARTHUR STATE BANK |
| Sep 20, 2023 | Deed of Trust, Mortgage · Construction Mortgage ARTHUR STATE BANK |
| Sep 20, 2023 | Deed of Trust, Mortgage · Construction Mortgage ARTHUR STATE BANK |
| Feb 28, 2024 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 14, 2023 | Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Dec 14, 2023 | Limited Warranty Deed, Subdivision Related Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Nov 20, 2023 | Warranty Deed, Transfer |
| Nov 20, 2023 | Correction Deed · FHA Mortgage GUARANTEED RATE INC |
| Nov 2, 2023 | Limited Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2023 · Amount on File |
| Deed Sale | Dec 14, 2023 · Amount on File |
| Prior Sale | Nov 20, 2023 · Amount on File |
| Deed Document Number | 2023-10622 |
| Deed Book / Page | 5060 / 293 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 161 PONTIAC BUSINESS CENTER DR 1020, 1020, ELGIN, SC 29045-7123 |
| Document Number | 0020238105 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 5017/98 |
| Instrument | 2023-8105 |
| Name | ARTHUR STATE BANK |
|---|---|
| Type | Bank |
| Address | UNION, SC 29379 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Oct 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 161 PONTIAC BUSINESS CENTER DR 1020, 1020, ELGIN, SC 29045-7123 |
| Document Number | 0020238110 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 5017/126 |
| Instrument | 2023-8110 |
| Name | ARTHUR STATE BANK |
|---|---|
| Type | Bank |
| Address | UNION, SC 29379 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Oct 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 161 PONTIAC BUSINESS CENTER DR 1020, 1020, ELGIN, SC 29045-7123 |
| Document Number | 0020238106 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 5017/109 |
| Instrument | 2023-8106 |
| Name | ARTHUR STATE BANK |
|---|---|
| Type | Bank |
| Address | UNION, SC 29379 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Oct 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 161 PONTIAC BUSINESS CENTER DR 1020, 1020, ELGIN, SC 29045-7123 |
| Document Number | 0020238103 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 5017/86 |
| Instrument | 2023-8103 |
| Name | ARTHUR STATE BANK |
|---|---|
| Type | Bank |
| Address | UNION, SC 29379 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Oct 1, 2024 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Feb 28, 2024 |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020241568 |
| Book / Page | 5095 / 309 |
| Map Reference | MB D115 PG 8 |
| Instrument Date | Feb 23, 2024 |
| Instrument | 2024-1568 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 14, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $612.30 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 622 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020241569 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024-1569 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Dec 14, 2023 |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0202310622 |
| Book / Page | 5060 / 293 |
| Map Reference | MB D115 PG 8 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 2023-10622 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 1, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $604.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0202310623 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | 2023-10623 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Dec 14, 2023 |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0202310620 |
| Book / Page | 5060 / 260 |
| Map Reference | MB D115 PG 8 |
| Instrument Date | Nov 29, 2023 |
| Instrument | 2023-10620 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 1, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $617.50 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 618 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0202310621 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | 2023-10621 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Nov 20, 2023 |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020239983 |
| Book / Page | 5050 / 169 |
| Map Reference | MB D115 PG 8 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 2023-9983 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 161 PONTIAC BUSINESS CENTER DR STE 1020, 1020, ELGIN, SC 29045-7123 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Nov 20, 2023 |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020239981 |
| Book / Page | 5050 / 146 |
| Map Reference | MB D115 PG 8 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 2023-9981 |
| Record Updated | Jan 1, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020239982 |
|---|---|
| Date | Nov 20, 2023 |
| Book Page | 5050/151 |
| Instrument | 2023-9982 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Nov 2, 2023 |
| Property Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020239477 |
| Book / Page | 5041 / 316 |
| Map Reference | MB D115 PG 8 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 2023-9477 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $607.10 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 630 EMERSON RD, LUGOFF, SC 29078-9450 |
| Document Number | 0020239478 |
|---|---|
| Date | Nov 2, 2023 |
| Instrument | 2023-9478 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 622 Emerson Rd was $1,648.
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 | $1,648.00 | $235,500 Land $30,000 Building $205,500 | $235,500 |
| 2023 | $697.00 (+4.65%) | $30,000 (-) Land $30,000 | $30,000 (-) |
| 2022 | $666.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 622 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 622 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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