1646 Ginkgo Trl, Ridgeway, SC, 29130
About This Home
NEW LISTING! Lake Wateree Living at Its Finest! Experience the perfect blend of peaceful waterfront living and everyday convenience in this beautiful 5-bedroom, 3-bath home on Lake Wateree—located just 20 minutes from shopping and restaurants. Inside, you'll find hardwood floors throughout the main level, a spacious living room with a cozy fireplace, and a well-appointed kitchen featuring granite countertops, an island, a double oven and an informal dining area with direct access to the large covered back porch—ideal for enjoying your morning coffee or taking in the lake views. The private primary suite has a walk-in closet, double vanity, and ensuite bath. Two additional bedrooms on the main level share a hall bath, with one also opening onto the covered back porch. Upstairs are two more generously sized bedrooms that share a full bath, providing plenty of space for family and guests. The heated and cooled 1,616 sq ft walkout basement provides an incredible bonus space that's perfect for a recreation room, game room, media room, or entertaining guests after a day on the lake. Step outside and enjoy Lake Wateree from your covered back porch and private dock with a boat lift. Whether you're boating, fishing, entertaining, or simply relaxing by the water, this home is designed for making lasting memories. If you've been dreaming of lake life without giving up the convenience of nearby shopping and dining, this is the home for you. Schedule your private tour today and discover all that Lake Wateree living has! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2000
Materials
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Smooth Surface,Island Cooktop,Dishwasher,Refrigerator
- Laundry features: Heated Space,In Basement
Basement
- Has basement: Yes
- Basement: Crawl Space
Bedroom2
- Features: Double Vanity,Bath-Shared,Tub-Shower,Ceiling Fan(s),Closet-Private,Floors-Hardwood
- Level: Main
Bedroom3
- Features: Tub-Shower,Vaulted Ceiling(s),Ceiling Fan(s),Closet-Private,Floors-Hardwood
- Level: Main
Bedroom4
- Features: Bath-Shared,Walk-In Closet(s),Tub-Shower,Vaulted Ceiling(s),Ceiling Fan(s),Closet-Private
- Level: Second
Bedroom5
- Features: Bath-Shared,Tub-Shower,Vaulted Ceiling(s),Ceiling Fan(s),Closet-Private
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
Features
- Ceiling Fan(s),Central Vacuum
- Flooring: Tile,Hardwood,Carpet
- Number of fireplaces: 1
- Fireplace features: Gas Log-Propane
- Fireplace: Yes
- Attic: Attic Access
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 4,271
- Total interior livable area: 4,271 sqft
Kitchen
- Features: Bar,Kitchen Island,Pantry,Granite Counters,Cabinets-Stained,Floors-Tile,Backsplash-Other
- Level: Main
Living Room
- Features: Fireplace,Floors-Hardwood,Molding,Ceiling Fan
- Level: Main
Master Bedroom
- Features: Double Vanity,Bath-Private,Walk-In Closet(s),Tub-Shower,Ceiling Fan(s),Closet-Private,Floors-Hardwood
- Level: Main
Property
Details
- Parcel number: 1940402041
Features
- Stories: 2
- Exterior features: Dock,Lake Fed Irrigation
- Fencing: None
- On waterfront: Yes
- Waterfront features: On Lake Wateree
- Frontage length: 210
Lot
- Lot size: 0.81 Acres
- Features: On Water
Parking
- Parking features: No Garage
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Strong Wind
- Cold Wave
- Hurricane
- Heat Wave
- Inland Flooding
- Ice Storm
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Kershaw County and South Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,803 | $57,636 |
| Home Insurance * | $164 | $1,968 |
| Property Taxes | $238 | $2,856 |
| Electricity | $410 | $4,928 |
| Total | $5,615 | $67,380 |
Income You'd Need if You Spent...
South Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-30 | Listed for sale | $950,000 |
| 2003-10-23 | Sold | $265,000 |
For Sale by Agent
View on Zillow