944 Cross Creek Rd, Ridgeway, SC 29130 Property Records

Fairfield County property record for 944 Cross Creek Rd, Ridgeway, SC 29130

Property Summary

Property Type	Rural Home
Details	2,171 sqft · built 2011
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (May 2026)
Tax Bill	$1,291 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`217-00-00-049-000`

Property Details

APN / Parcel Number

Primary APN	`217-00-00-049-000`
Alternative APN	`18101`

Interior

Stories	1 Story
Building Area	2,171 sqft Living Area
Gross Area	3,186 sqft
1st Floor Area	1,835 sqft
Upper Floors Area	336 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick Veneer
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Porch	Slab
Porch Area	679 sqft

Location & Zoning

Account Number	18101
Street Address	944 CROSS CREEK RD
City	RIDGEWAY
State	SC
Zip	29130-8490
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RD-1
Legal Description	944 CROSS CREEK ROAD KS
Jurisdiction	FAIRFIELD SC
Township / Civil Division	RIDGEWAY
Census Block Group	1
Census Block	1024
Census Tract	960301

Owner

Source: Fairfield County records, as of June 15, 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	944 CROSS CREEK RD, RIDGEWAY, SC 29130-8490
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Deed Document Number	20261168
Deed Book / Page	1734 / 259
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FAIRFIELD SC
Recording Date	May 21, 2026
Property Address	944 CROSS CREEK RD, RIDGEWAY, SC 29130-8490
Document Number	0000001168
Book / Page	1734 / 259
Instrument Date	May 7, 2026
Instrument	20261168
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137,865.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	944 CROSS CREEK RD, RIDGEWAY, SC 29130-8490

Mortgage

Document Number	0000001169,
Date	May 21, 2026
Instrument	20261169

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD SC
Property Address	944 CROSS CREEK RD, RIDGEWAY, SC 29130-8490
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002402
Date	Nov 4, 2019
Book Page	1386/96
Instrument	201900002402

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 25, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,291.00	$13,110 (+126.11%) Land $526 Building $12,584	$399,000 (+84.55%) Land $75,000 Building $324,000
2024		$5,798 (-) Land $526 Building $5,272	$216,200 (-) Land $75,000 Building $141,200
2023	$1,076.00 (+9.46%)	$5,798 (-) Land $526 Building $5,272	$216,200 (-) Land $75,000 Building $141,200
2022	$983.00	$5,798 Land $526 Building $5,272	$216,200 Land $75,000 Building $141,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 59% of the US · above 77% of South Carolina
Wildfire Likelihood	0.1% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: TruVista Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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