109 Sorrel Tree Ln, Elgin, SC 29045 Property Records

Kershaw County property record for 109 Sorrel Tree Ln, Elgin, SC 29045

Property Summary

Property Type	Single Family Home
Details	2,932 sqft · built 2008
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$220,400 (Jan 2020)
Tax Bill	$1,378 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`359-02-04-068-SEQ`

Property Details

APN / Parcel Number

Primary APN	`359-02-04-068-SEQ`
Alternative APN	`48314`

Interior

Stories	1 Story
Building Area	2,932 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	529 sqft
Porch	Porch
Porch Area	132 sqft
Deck Area	138 sqft

Location & Zoning

Account Number	48314
Street Address	109 SORREL TREE LN
City	ELGIN
State	SC
Zip	29045-8343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	HEATH POND SUBDIV PHASE IV LOT 68
Legal Subdivision	HEATH POND SUBD
Legal Phase	4
Legal Lot Number	68
Jurisdiction	KERSHAW SC
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1007
Census Tract	970908

Owner

109 Sorrel Tree Ln is owned and occupied by two individuals who bought it in January 2020.

Source: Kershaw County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 SORREL TREE LN, ELGIN, SC 29045-8343
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

Date	Document
Jan 8, 2020	Grant Deed, Transfer · FHA Mortgage GUILD MTG
Sep 27, 2017	Grant Deed, Transfer · Conventional Mortgage FIRST RELIANCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on File
Deed Sale	Jan 8, 2020 · Amount on File
Prior Sale	Jan 8, 2020 · Amount on File
Deed Document Number	2020178
Deed Book / Page	4150 / 205
Record Updated	Oct 29, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Jan 8, 2020
Property Address	109 SORREL TREE LN, ELGIN, SC 29045-8343
Document Number	0000000178
Book / Page	004150 / 000205
Instrument Date	Dec 27, 2019
Instrument	178
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$815.00
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	109 SORREL TREE LN ELGIN SC 290458343, ELGIN, SC 29045-8343

Mortgage

Document Number	179
Date	Jan 8, 2020
Book Page	004150/000209
Instrument	179

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KERSHAW SC
Recording Date	Sep 27, 2017
Property Address	109 SORREL TREE LN, ELGIN, SC 29045-8343
Document Number	0000007769
Book / Page	003756 / 000289
Instrument Date	Sep 19, 2017
Instrument	7769
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
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	109 SORREL TREE LN ELGIN SC 290458343, ELGIN, SC 29045-8343

Mortgage

Document Number	7770
Date	Sep 27, 2017
Book Page	003756/000292
Instrument	7770

Lender

Name	FIRST RELIANCE BK
Type	Bank
Address	FLORENCE, SC 29464

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 26, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 109 Sorrel Tree Ln was $1,378.

Source: Kershaw County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Kershaw County
Unified School District	Kershaw County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,378.00	$220,200 Land $35,000 Building $185,200	$220,200
2023	$1,387.00	$220,200 Land $35,000 Building $185,200	$220,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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 9 (5% premium discount)
Nearby Flood Policies	3 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 Sorrel Tree Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 93% 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	LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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