Richland County property record for 10649 Two Notch Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,912 sqft · built 1992 |
| Lot Size | 2.41 acres (104,980 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (Sep 2024) |
| Tax Bill | $10,693 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 25900-05-12 |
| Primary APN | 25900-05-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,912 sqft Heated Area |
| Gross Area | 5,182 sqft |
| 1st Floor Area | 1,912 sqft |
| Basement Area | 1,575 sqft |
| Unfinished Basement | 1,575 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 104,980 sqft (2.41 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 240 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 01359041 |
|---|---|
| Street Address | 10649 TWO NOTCH RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU |
| Legal Description | PARCEL A 55.2X446.6X248.8X230.3X144.5X 156.3X230X238.8X50X110XETC #PR 53-9303 |
| Legal Subdivision | MYRA V MONROE AND CYNTHIA M STEWART |
| Legal Lot Number | A |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 11425 |
Source: Richland County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10649 TWO NOTCH RD, ELGIN, SC 29045-8728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Dec 12, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Aug 22, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2024 · Amount on Record |
| Deed Sale | Sep 11, 2024 · Amount on Record |
| Deed Document Number | 202440894 |
| Deed Book / Page | 2955 / 3112 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 10649 TWO NOTCH RD, ELGIN, SC 29045-8728 |
| Document Number | 2455/1041 |
| Instrument Date | Dec 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 10649 TWO NOTCH RD ELGIN SC 290458728, ELGIN, SC 29045-8728 |
| Document Number | 2455/1041 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 002455/001041 |
| Instrument | 93877 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 17, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 10649 TWO NOTCH RD, ELGIN, SC 29045-8728 |
| Document Number | 2422/3180 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10649 TWO NOTCH RD ELGIN SC 290458728, ELGIN, SC 29045-8728 |
| Document Number | 2422/3180 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 002422/003180 |
| Instrument | 62741 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 26, 2029 |
| Rate Type | Adjustable Rate |
|---|
Source: Richland County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | South Carolina |
| County | Richland County |
| Unified School District | Richland School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,693.00 (+470.9%) Homeowner's exemption | $9,364 (-) | $320,000 (+36.69%) Land $77,100 Building $242,900 |
| 2023 | $1,873.00 (+0.48%) | $9,364 (+0.04%) | $234,100 (-11.76%) |
| 2021 | $1,864.00 | $9,360 | $265,300 Land $48,200 Building $217,100 |
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.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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