Laurens County property record for 805 Ridgewood Harbor Rd, Waterloo, SC 29384
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.951 acres (41,456 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Sep 2021) |
| Tax Bill | $3,901 (2025) |
| Deeds & Mortgages | Oct 2022 Construction Loan Sep 2021 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 340-00-00-064 |
| Primary APN | 340-00-00-064 |
|---|---|
| Alternative APNs |
|
| Lot Area | 41,456 sqft (0.951 acres) |
|---|
| Street Address | 805 RIDGEWOOD HARBOR RD |
|---|---|
| City | WATERLOO |
| State | SC |
| Zip | 29384-5030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 RIDGEWOOD HARBOR PH I |
| Legal Subdivision | RIDGEWOOD HARBOR |
| Legal Phase | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | LAURENS SC |
| Township / Civil Division | CROSS HILL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 921001 |
805 Ridgewood Harbor Rd is owned and occupied by two individuals who bought it in September 2021.
Source: Laurens County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 805 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5030 |
| 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 28, 2022 | Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA |
| Sep 20, 2021 | Deed, Transfer · Line of Credit AGSOUTH FARM CREDIT ACA |
| Aug 27, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2021 · Amount on File |
| Deed Sale | Sep 20, 2021 · Amount on File |
| Prior Sale | Jan 31, 2007 · Amount on File |
| Deed Document Number | 20218736 |
| Deed Book / Page | 1602 / 47 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAURENS SC |
| Property Address | 805 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5030 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1175, MAULDIN, SC 29662-1175 |
| Document Number | 0M28800018 |
|---|---|
| Date | Oct 28, 2022 |
| Book Page | M2880/18 |
| Instrument | 2022009829 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 11.6% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Sep 20, 2021 |
| Property Address | 805 RIDGEWOOD HARBOR RD, WATERLOO, SC 29384-5030 |
| Document Number | 0D16020047 |
| Book / Page | D1602 / 47 |
| Map Reference | MB A-13 PG 10 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 2021008736 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $333.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 639 GRANDWOOD BLVD, GRAY COURT, SC 29645-6337 |
| Document Number | 2021008737 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2021008737 |
| Name | AGSOUTH FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAURENS SC |
| Recording Date | Aug 27, 2020 |
| Property Address | WATERLOO, SC 29384 |
| Document Number | 0015230304 |
| Book / Page | 001523 / 000304 |
| Instrument Date | Aug 24, 2020 |
| Instrument | 6571 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 7742 THE WOODLANDS TX 773877742, THE WOODLANDS, TX 77387-7742 |
The 2025 property tax bill for 805 Ridgewood Harbor Rd was $3,901 with a homeowner's exemption, up 4.7% from the year before.
Source: Laurens County assessment roll, as of February 3, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Laurens County |
| Unified School District | Laurens School District 55 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,901.00 (+4.7%) Homeowner's exemption | $23,220 (-) Land $3,800 Building $19,420 | |
| 2024 | $3,726.00 (+118.66%) Homeowner's exemption | $23,220 (+40.05%) Land $3,800 Building $19,420 | |
| 2023 | $1,704.00 | $16,580 (+190.88%) | $414,500 (+336.32%) Land $230,000 Building $184,500 |
| 2022 | $5,700 Land $5,700 | $95,000 (-83.63%) Land $95,000 | |
| 2021 | $580,500 Land $95,000 Building $485,500 |
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.
FEMA maps place 805 Ridgewood Harbor 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 June 20, 2019 · 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 |
| Nearby Flood Policies | 4 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 risk around 805 Ridgewood Harbor Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 94% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Piedmont Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
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