109 High Bluff Ln, Irmo, SC 29063 Property Records

Richland County property record for 109 High Bluff Ln, Irmo, SC 29063

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 1999
Lot Size	0.335 acres (14,632 sqft)
Owner	2 Individual Names on File
Last Sale	$152,000 (Feb 2000)
Tax Bill	$1,315 (2025)
Deeds & Mortgages	Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03515-03-01`

Property Details

APN / Parcel Number

Primary APN	`03515-03-01`
Alternative APNs	`R03515-03-01` `01548622`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,894 sqft Heated Area
Gross Area	2,446 sqft
1st Floor Area	1,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,632 sqft (0.335 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01548622
Street Address	109 HIGH BLUFF LN
City	IRMO
State	SC
Zip	29063-8191
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-LD
Legal Description	LOT 5 81.8X149.7X95.2X151.4 #SU ROUND HILL/ST JOHNS PLACE #PR 54-2427 57-615/614
Legal Subdivision	ST JOHNS PLACE
Legal Lot Number	5,81
Jurisdiction	RICHLAND SC
Township / Civil Division	DUTCH FORK
Census Block Group	1
Census Block	1005
Census Tract	10313

Owner

109 High Bluff Ln is owned and occupied by two individuals who acquired it in January 2006.

Source: Richland County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 HIGH BLUFF LN, IRMO, SC 29063-8191
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2000 · Amount on File
Deed Sale	Feb 14, 2000 · Amount on File
Prior Sale	Mar 11, 1999 · Amount on File
Deed Document Number	200011517
Deed Book / Page	383 / 1424
Last Transfer Date	Jan 27, 2006
Transfer Doc	0011471721
Record Updated	Sep 20, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	109 HIGH BLUFF LN, IRMO, SC 29063-8191
Document Number	2177/2907
Book / Page	002177 / 002907
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Feb 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 HIGH BLUFF LN IRMO SC 290638191, IRMO, SC 29063-8191

Mortgage

Document Number	2177/2907
Date	Jan 4, 2017
Book Page	002177/002907
Instrument	311

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 High Bluff Ln was $1,315.

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	$1,315.00 Homeowner's exemption	$177,800 (-)	$256,900 (-) Land $30,000 Building $226,900
2024		$177,800 (+2,775.16%)	$256,900 (+66.17%) Land $30,000 Building $226,900
2023	$1,078.00	$6,184	$154,600
2021	$1,054.00	$6,180	$156,700 Land $24,000 Building $132,700

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

FEMA maps place 109 High Bluff Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
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 High Bluff Ln is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 59% of South Carolina
Wildfire Likelihood	0.1% 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 166 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20