10 Jacobs Mill Ct, Elgin, SC 29045 Property Records

Richland County property record for 10 Jacobs Mill Ct, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,251 sqft · built 2001
Lot Size	0.786 acres (34,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$487,000 (Jan 2021)
Tax Bill	$4,976 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28902-01-11`

Property Details

APN / Parcel Number

Primary APN	`28902-01-11`
Alternative APNs	`R28902-01-11` `01499774`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,251 sqft Heated Area
Gross Area	4,379 sqft
1st Floor Area	2,657 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,249 sqft (0.786 acres)
Garage Area	779 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	349 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01499774
Street Address	10 JACOBS MILL CT
City	ELGIN
State	SC
Zip	29045-8646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOT 22 BLK D4 281.8X195.3X189.9 #SU WOODCREEK FARMS #PR 56-4116 RB505-1492
Legal Subdivision	WOODCREEK
Legal Block	D4
Legal Lot Number	22
Jurisdiction	RICHLAND SC
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2045
Census Tract	11407

Owner

Source: Richland County records, as of July 14, 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	10 JACOBS MILL CT, ELGIN, SC 29045-8646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 30, 2021	Warranty Deed, Transfer · Conventional with PMI GUILD MTG
Oct 3, 2017	Grant Deed, Transfer · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2021 · Amount on Record
Deed Sale	Jan 30, 2021 · Amount on Record
Prior Sale	Oct 3, 2017 · Amount on Record
Deed Document Number	20215947
Deed Book / Page	2581 / 828
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	10 JACOBS MILL CT, ELGIN, SC 29045-8646
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 JACOBS MILL CT, ELGIN, SC 29045-8646

Mortgage

Document Number	0028901437
Date	Jan 2, 2024
Book Page	2890/1437
Instrument	2024000272

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND SC
Recording Date	Jan 30, 2021
Property Address	10 JACOBS MILL CT, ELGIN, SC 29045-8646
Document Number	2581/0828
Book / Page	002581 / 000828
Instrument Date	Dec 26, 2020
Instrument	5947
Transaction Type	Transfer
Record Updated	Mar 22, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,802.00
Amount Accuracy	Confirmed
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	10 JACOBS MILL CT ELGIN SC 290458646, ELGIN, SC 29045-8646

Mortgage

Document Number	2581/0832
Date	Jan 30, 2021
Book Page	002581/000832
Instrument	5948

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2051

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Oct 3, 2017
Property Address	10 JACOBS MILL CT, ELGIN, SC 29045-8646
Document Number	2248/3616
Book / Page	002248 / 003616
Instrument Date	Oct 2, 2017
Instrument	74488
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.45
Amount Accuracy	Confirmed
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	10 JACOBS MILL CT ELGIN SC 290458646, ELGIN, SC 29045-8646

Mortgage

Document Number	2248/3620
Date	Oct 3, 2017
Book Page	002248/003620
Instrument	74489

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2032

Tax Assessment & Valuation

Source: Richland County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,976.00 (+18.7%)	$19,480 (-)	$777,510 (+59.65%)
2023	$4,192.00 (-75.73%)	$19,480 (-33.33%)	$487,000 (-)
2021	$17,270.00	$29,220	$487,000 Land $75,000 Building $412,000

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 September 13, 2026 · 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
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2015 · Severe Storms And Flooding

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 64% of the US · lower than 91% of South Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF COLUMBIA serves 354,068 people · EPA ID SC4010001
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorite resolved · Dec 2024 E. coli resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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