632 Railgate Loop, Lugoff, SC 29078 Property Records

Kershaw County property record for 632 Railgate Loop, Lugoff, SC 29078

Property Summary

Property Type	Single Family Home
Details	1,480 sqft · built 2001
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Tax Bill	$574 (2025)
Deeds & Mortgages	Jan 2026 Reverse Mortgage Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`336-01-0A-037-SES`

Property Details

APN / Parcel Number

Primary APN	`336-01-0A-037-SES`
Alternative APN	`35156`

Interior

Stories	1 Story
Building Area	1,480 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Lot Area	26,136 sqft (0.6 acres)
Porch	Porch
Porch Area	96 sqft
Deck Area	120 sqft

Location & Zoning

Account Number	35156
Street Address	632 RAILGATE LOOP
City	LUGOFF
State	SC
Zip	29078-8836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	RAILGATE SUB
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2003
Census Tract	970906

Owner

Source: Kershaw County records, as of July 20, 2026

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	632 RAILGATE LOOP, LUGOFF, SC 29078-8836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Reverse Mortgage TRADITIONAL MORTGAGE ACCEPTANCE CORP
Nov 28, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2010
Deed Sale	Mar 3, 2010
Prior Sale	Jul 3, 2001 · Amount on Record
Deed Book / Page	2641 / 307
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERSHAW SC
Property Address	632 RAILGATE LOOP, LUGOFF, SC 29078-8836
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 RAILGATE LOOP, LUGOFF, SC 29078-8836

Mortgage

Document Number	0002026711
Date	Jan 27, 2026
Book Page	5513/63
Instrument	2026-711

Lender

Name	TRADITIONAL MORTGAGE ACCEPTANCE CORP
Type	Subprime Lender
Address	BELLEVUE, WA 98004

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	833 Months
Due	Jun 6, 2095

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KERSHAW SC
Property Address	632 RAILGATE LOOP, LUGOFF, SC 29078-8836
Document Number	0000010191
Instrument Date	Nov 28, 2018
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 RAILGATE LOOP LUGOFF SC 290788836, LUGOFF, SC 29078-8836

Mortgage

Document Number	0000010191
Date	Dec 28, 2018
Book Page	003967/000101
Instrument	10191

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Dec 27, 2056

Interest

Rate	3.75%

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	$574.00 (-36.01%)	$122,600 (-) Land $18,000 Building $104,600	$122,600 (-)
2023	$897.00	$122,600 Land $18,000 Building $104,600	$122,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 40% of the US · lower than 78% of South Carolina
Wildfire Likelihood	0.05% 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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