78 Ridge Rd, Cheraw, SC 29520 Property Records

Chesterfield County property record for 78 Ridge Rd, Cheraw, SC 29520

Property Summary

Property Type	Single Family Home
Details	30 bd · 2 ba · 1,728 sqft · built 1978
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jun 2023)
Tax Bill	$1,010 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`244 001 001 016`

Property Details

APN / Parcel Number

Primary APN	`244 001 001 016`
Alternative APNs	`00032858` `01886993` `1886993`

Interior

Bedrooms	30 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Total Area
1st Floor Area	1,728 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	29,185 sqft (0.67 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	00032858
Street Address	78 RIDGE RD
City	CHERAW
State	SC
Zip	29520-6335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18-BRIDLEWOOD .67+/-AC
Legal Subdivision	BRIDLEWOOD
Legal Lot Number	18
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	CHERAW
Census Block Group	2
Census Block	2021
Census Tract	950503

Owner

Source: Chesterfield County records, as of February 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	78 RIDGE RD, CHERAW, SC 29520-6335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed, Transfer · Conventional Mortgage FOUNDERS FCU
Aug 27, 2020	Deed of Distribution, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Deed Document Number	20232397
Deed Book / Page	556 / 962
Prior Transfer Date	Jul 16, 2019
Prior Transfer Doc	000531/932
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Jun 16, 2023
Property Address	78 RIDGE RD, CHERAW, SC 29520-6335
Document Number	000556/962
Book / Page	556 / 962
Map Reference	MB 28 PG 21
Instrument Date	Jun 15, 2023
Instrument	2023-2397
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$494.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	000545/274
Date	Jun 16, 2023
Book Page	545/274
Instrument	2023-2398

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jul 5, 2030
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	10-Year TN
Max Rate	11.8%

August 2020: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	CHESTERFIELD SC
Recording Date	Aug 27, 2020
Property Address	78 RIDGE RD, CHERAW, SC 29520-6335
Document Number	000531/932
Book / Page	531 / 932
Map Reference	MB 28 PG 21
Instrument Date	Jul 16, 2019
Instrument	202000003313
Transaction Type	Transfer
Record Updated	Jan 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Chesterfield County
Unified School District	Chesterfield County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,010.00 (+113.08%)	$7,220 (+28.93%) Land $400 Building $6,820	$180,500 (+28.93%) Land $10,000 Building $170,500
2023	$474.00 (+2.6%) Homeowner's exemption	$5,600 (-) Land $400 Building $5,200	$140,000 (-) Land $10,000 Building $130,000
2022	$462.00 Homeowner's exemption	$5,600 Land $400 Building $5,200	$140,000 Land $10,000 Building $130,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2025

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · above 65% of South Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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