1108 Cedar Ter, Columbia, SC 29209 Property Records

Richland County property record for 1108 Cedar Ter, Columbia, SC 29209

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,132 sqft · built 1955
Lot Size	0.348 acres (15,200 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Aug 2017)
Tax Bill	$1,135 (2025)
Deeds & Mortgages	Sep 2026 Sale Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16505-02-08`

Property Details

APN / Parcel Number

Primary APN	`16505-02-08`
Alternative APNs	`R16505-02-08` `00636271`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,132 sqft Heated Area
Gross Area	2,483 sqft
1st Floor Area	2,132 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Raised Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,200 sqft (0.348 acres)
Lot Dimensions	160 ft deep x 95 ft wide
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	658 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	00636271
Street Address	1108 CEDAR TER
City	COLUMBIA
State	SC
Zip	29209-1614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	LOT 3 BLK P 95X160X95X160 #SU MUNSEN SPRINGS #PR Q-158 Q-159
Legal Subdivision	CEDAR TERRACE
Legal Block	P
Legal Lot Number	3
Jurisdiction	RICHLAND SC
Township / Civil Division	COLUMBIA
Census Block Group	2
Census Block	2002
Census Tract	11603

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Millwood listed 1971 · 4 contributing resources · NRIS 71000803

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1108 Cedar Ter is owned and occupied by an individual who bought it in August 2017.

Source: Richland County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	1108 CEDAR TER, COLUMBIA, SC 29209-1614
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
Sep 23, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Oct 23, 2019	Deed of Trust, Mortgage · Line of Credit PALMETTO CITIZENS FCU
Aug 4, 2017	Grant Deed, Transfer · Conventional Mortgage RESOURCE FIN'L SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2017 · Amount on File
Deed Sale	Aug 4, 2017 · Amount on File
Deed Document Number	201757987
Deed Book / Page	2233 / 2314
Prior Transfer Date	Jul 25, 2011
Prior Transfer Doc	0000073625
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND SC
Recording Date	Sep 23, 2026
Property Address	1108 CEDAR TER, COLUMBIA, SC 29209-1614
Document Number	0000047580
Book / Page	3169 / 407
Instrument Date	Aug 17, 2026
Instrument	202647580
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 CEDAR TER, COLUMBIA, SC 29209-1614

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	1108 CEDAR TER, COLUMBIA, SC 29209-1614
Document Number	2441/0058
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 CEDAR TER COLUMBIA SC 292091614, COLUMBIA, SC 29209-1614

Mortgage

Document Number	2441/0058
Date	Oct 29, 2019
Book Page	002441/000058
Instrument	80388

Lender

Name	PALMETTO CITIZENS FCU
Type	Credit Union
Address	COLUMBIA, SC 29250

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 28, 2044

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Aug 4, 2017
Property Address	1108 CEDAR TER, COLUMBIA, SC 29209-1614
Document Number	2233/2314
Book / Page	002233 / 002314
Instrument Date	Aug 3, 2017
Instrument	57987
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
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	1108 CEDAR TER COLUMBIA SC 292091614, COLUMBIA, SC 29209-1614

Mortgage

Document Number	2233/2317
Date	Aug 4, 2017
Book Page	002233/002317
Instrument	57988

Lender

Name	RESOURCE FIN'L SVC
Type	Funding / Finance Company
Address	COLUMBIA, SC 29205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1108 Cedar Ter was $1,135.

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

Property Jurisdictions

Type	Name
State	South Carolina
County	Richland County
Municipality	Columbia City
Unified School District	Richland School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,135.00	$158,700	$232,800 Land $28,400 Building $204,400
2023	$967.00	$5,520	$138,000
2021	$1,033.00	$5,520	$162,200 Land $18,900 Building $143,300

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 1108 Cedar Ter in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2015.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2015)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Oct 2015 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2015 · 6 claims

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 1108 Cedar Ter 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 65% of the US · lower than 92% of South Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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