109 Broad Bluff Pt, Irmo, SC 29063 Property Records

Richland County property record for 109 Broad Bluff Pt, Irmo, SC 29063

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,375 sqft · built 1997
Lot Size	2 acres (87,120 sqft)
Owner	2 Trust Names on File
Last Sale	$845,000 (Feb 2026)
Tax Bill	$5,703 (2025)
Deeds & Mortgages	Feb 2026 Sale Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`04413-01-03`

Property Details

APN / Parcel Number

Primary APN	`04413-01-03`
Alternative APNs	`R04413-01-03` `01486298`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,375 sqft Heated Area
Gross Area	4,914 sqft
1st Floor Area	1,064 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Unfinished Basement	960 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Area	563 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	01486298
Street Address	109 BROAD BLUFF PT
City	IRMO
State	SC
Zip	29063-2934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Description	LOT 6 51.5X165.3X608.7X27.3X98.6X 388.9X150.4 #SU BROAD BLUFF POINT
Legal Subdivision	BROAD BLUFF POINT SUBDIVISION
Legal Lot Number	6,51
Jurisdiction	RICHLAND SC
Township / Civil Division	DUTCH FORK
Census Block Group	1
Census Block	1001
Census Tract	10313

Owner

109 Broad Bluff Pt is owner-occupied and held in a trust since February 2026.

Source: Richland County records, as of October 13, 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 Trust Names on File
Mailing Address	109 BROAD BLUFF PT, IRMO, SC 29063-2934
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed, Transfer
Jun 28, 2021	Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2026 · Amount on File
Deed Sale	Feb 4, 2026 · Amount on File
Prior Sale	Jun 28, 2021 · Amount on File
Deed Document Number	20265303
Deed Book / Page	3096 / 2739
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Feb 4, 2026
Property Address	109 BROAD BLUFF PT, IRMO, SC 29063-2934
Document Number	0030962739
Book / Page	3096 / 2739
Map Reference	MB 56 PG 4113
Instrument Date	Jan 23, 2026
Instrument	2026005303
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Tax	$2,197.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	109 BROAD BLUFF PT, IRMO, SC 29063-2934

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Jun 28, 2021
Property Address	109 BROAD BLUFF PT, IRMO, SC 29063-2934
Document Number	0026350477
Book / Page	2635 / 477
Map Reference	MB 56 PG 4113
Instrument Date	Jun 22, 2021
Instrument	2021041640
Transaction Type	Transfer
Record Updated	Apr 11, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,738.00
Amount Accuracy	Verified / From Affidavit
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	109 BROAD BLUFF PT, IRMO, SC 29063-2934

Mortgage

Document Number	2021041641
Date	Jun 28, 2021
Instrument	2021041641

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	109 BROAD BLUFF PT, IRMO, SC 29063-2934
Document Number	2472/3699
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BROAD BLUFF PT IRMO SC 290632934, IRMO, SC 29063-2934

Mortgage

Document Number	2472/3699
Date	Feb 28, 2020
Book Page	002472/003699
Instrument	11181

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 109 Broad Bluff Pt was $5,703.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Unified School District	Lexington School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,703.00	$29,600	$740,000 Land $26,000 Building $714,000
2023	$20,404.00	$29,600	$740,000
2021	$2,418.00	$11,980	$337,900 Land $25,000 Building $312,900

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

Flood

FEMA maps place 109 Broad Bluff Pt in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 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

Wildfire risk around 109 Broad Bluff Pt is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.07% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CarolinaConnect Cooperative Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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