85 Ridgewood Dr, Waterloo, SC 29384 Property Records

Laurens County property record for 85 Ridgewood Dr, Waterloo, SC 29384

Property Summary

Property Type	Single Family Home
Lot Size	0.876 acres (38,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$507,500 (Dec 2022)
Tax Bill	$3,405 (2025)
Deeds & Mortgages	Nov 2022 Re-recorded Document Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`340-00-00-034`

Property Details

APN / Parcel Number

Primary APN	`340-00-00-034`
Alternative APNs	`3400000034 00560192` `00560192`

Exterior

Lot Area	38,196 sqft (0.876 acres)

Location & Zoning

Street Address	85 RIDGEWOOD DR
City	WATERLOO
State	SC
Zip	29384-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 41 RIDGEWOOD HARBOR PH I
Legal Subdivision	RIDGEWOOD HARBOR
Legal Phase	1
Legal Lot Number	41
Jurisdiction	LAURENS SC
Township / Civil Division	CROSS HILL
Census Block Group	2
Census Block	2005
Census Tract	921001

Owner

Source: Laurens County records, as of February 3, 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	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Re-recorded Document
Jul 29, 2021	Intrafamily Transfer, Transfer
Jul 29, 2021	Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 1, 2022	Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2022 · Amount on Record
Deed Sale	Dec 1, 2022 · Amount on Record
Prior Sale	Jul 29, 2021 · Amount on Record
Deed Document Number	202210859
Deed Book / Page	1698 / 140
Prior Transfer Date	Jul 21, 2021
Prior Transfer Doc	0D15900018
Record Updated	Jun 8, 2026

November 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAURENS SC
Recording Date	Nov 17, 2022
Property Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008
Document Number	0D16950264
Book / Page	D1695 / 264
Map Reference	MB A-13 PG 10
Instrument Date	Jul 22, 2022
Instrument	2022010432
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAURENS SC
Recording Date	Jul 29, 2021
Property Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008
Document Number	0D15900018
Book / Page	D1590 / 18
Map Reference	MB A-13 PG 10
Instrument Date	Jul 21, 2021
Instrument	2021006953
Transaction Type	Transfer
Record Updated	Feb 3, 2026

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
Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAURENS SC
Recording Date	Jul 29, 2021
Property Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008
Document Number	0D15900023
Book / Page	D1590 / 23
Map Reference	MB A-13 PG 10
Instrument Date	Jul 21, 2021
Instrument	2021006954
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,877.75
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
Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008

Mortgage

Document Number	0M27260168
Date	Jul 29, 2021
Book Page	M2726/168
Instrument	2021006955

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LAURENS SC
Recording Date	Dec 1, 2022
Property Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008
Document Number	0D15900023
Book / Page	D1590 / 23
Map Reference	MB A-13 PG 10
Instrument Date	Jul 21, 2021
Instrument	2022010859
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,319.50
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
Address	85 RIDGEWOOD DR, WATERLOO, SC 29384-5008

Mortgage

Document Number	0M27260168
Date	Dec 5, 2022
Book Page	M2726/168
Instrument	2022010931

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Laurens County assessment roll, as of February 3, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Laurens County
Unified School District	Laurens School District 55 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,405.00 (+4.67%)	$20,220 (-) Land $4,200 Building $16,020
2024	$3,253.00 (+46.73%)	$20,220 (-27.58%) Land $4,200 Building $16,020
2023	$2,217.00 (-29.19%)	$27,920 (+38.08%) Land $5,000 Building $22,920	$698,000 (+38.08%) Land $125,000 Building $573,000
2022	$3,131.00	$20,220 Land $4,200 Building $16,020	$505,500 (-) Land $105,000 Building $400,500
2021			$505,500 Land $105,000 Building $400,500

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.

Flood

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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Piedmont Rural Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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