Richland County property record for 108 Lucky Ct, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,646 sqft · built 2012 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $154,900 (Apr 2019) |
| Tax Bill | $1,863 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25911-03-35 |
| Primary APN | 25911-03-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,646 sqft Heated Area |
| Gross Area | 2,252 sqft |
| 1st Floor Area | 1,646 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Area | 426 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02007250 |
|---|---|
| Street Address | 108 LUCKY CT |
| City | ELGIN |
| State | SC |
| Zip | 29045-8127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDD |
| Legal Description | LOT 226 49.2X126.8X64.9X41.7X119.7 #SU JACOBS CREEK PH13 #PR 1316-3341 |
| Legal Subdivision | JACOBS CREEK |
| Legal Lot Number | 49,226 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 11425 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 108 LUCKY CT, ELGIN, SC 29045-8127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Apr 19, 2019 | Warranty Deed, Transfer · Conventional with PMI GUILD MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2019 · Amount on Record |
| Deed Sale | Apr 19, 2019 · Amount on Record |
| Prior Sale | Sep 13, 2012 · Amount on Record |
| Deed Document Number | 201927388 |
| Deed Book / Page | 2387 / 781 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 108 LUCKY CT, ELGIN, SC 29045-8127 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026461512 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 2646/1512 |
| Instrument | 2021048977 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND SC |
| Recording Date | Apr 19, 2019 |
| Property Address | 108 LUCKY CT, ELGIN, SC 29045-8127 |
| Document Number | 2387/0781 |
| Book / Page | 002387 / 000781 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 27388 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $573.13 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 108 LUCKY CT ELGIN SC 290458127, ELGIN, SC 29045-8127 |
| Document Number | 2387/0785 |
|---|---|
| Date | Apr 19, 2019 |
| Book Page | 002387/000785 |
| Instrument | 27389 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 18, 2049 |
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 | $1,863.00 (+13.88%) | $178,100 (+2,774.44%) | $220,500 (+42.35%) Land $36,000 Building $184,500 |
| 2023 | $1,636.00 (+0.93%) | $6,196 (-0.06%) | $154,900 (-) |
| 2021 | $1,621.00 | $6,200 | $154,900 Land $31,500 Building $123,400 |
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 65% of the US · lower than 92% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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