Richland County property record for 115 Ferncliffe Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,238 sqft · built 1980 |
| Lot Size | 0.365 acres (15,908 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (May 2022) |
| Tax Bill | $1,609 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26005-01-05 |
| Primary APN | 26005-01-05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,238 sqft Heated Area |
| Gross Area | 1,422 sqft |
| 1st Floor Area | 738 sqft |
| Utility Area | 20 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,908 sqft (0.365 acres) |
| Porch | Slab |
| Porch Area | 24 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00875075 |
|---|---|
| Street Address | 115 FERNCLIFFE RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-8621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-LD |
| Legal Description | LOT 38 BLK LL 65X216.1X115X164.4 #SU BRIARCLIFFE ESTATE #PR RB1427-1776 Y-6642 Y-7580 |
| Legal Subdivision | BRIARCLIFFE |
| Legal Block | LL |
| Legal Lot Number | 38 |
| Jurisdiction | RICHLAND SC |
| Township / Civil Division | PONTIAC |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 11424 |
Source: Richland County records, as of October 19, 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 | 115 FERNCLIFFE RD, ELGIN, SC 29045-8621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| May 18, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) AMERIS BANK |
| May 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FAMILY SERVICES INC |
| Sep 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2022 · Amount on Record |
| Deed Sale | May 18, 2022 · Amount on Record |
| Prior Sale | May 8, 2008 · Amount on Record |
| Deed Document Number | 202228702 |
| Deed Book / Page | 2745 / 1878 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 115 FERNCLIFFE RD, ELGIN, SC 29045-8621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027451882 |
|---|---|
| Date | May 18, 2022 |
| Book Page | 2745/1882 |
| Instrument | 2022028703 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 115 FERNCLIFFE RD, ELGIN, SC 29045-8621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027451894 |
|---|---|
| Date | May 18, 2022 |
| Book Page | 2745/1894 |
| Instrument | 2022028704 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 17, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 115 FERNCLIFFE RD, ELGIN, SC 29045-8621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027451898 |
|---|---|
| Date | May 18, 2022 |
| Book Page | 2745/1898 |
| Instrument | 2022028705 |
| Name | FAMILY SERVICES INC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND SC |
| Property Address | 115 FERNCLIFFE RD, ELGIN, SC 29045-8621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0027823268 |
|---|---|
| Date | Sep 26, 2022 |
| Book Page | 2782/3268 |
| Instrument | 2022054244 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 1, 2052 |
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 | $1,609.00 (-4.05%) | $146,900 (-) Land $30,000 Building $116,900 | $146,900 (-) Land $30,000 Building $116,900 |
| 2024 | $146,900 (+4,869.55%) Land $30,000 Building $116,900 | $146,900 (+98.78%) Land $30,000 Building $116,900 | |
| 2023 | $1,677.00 (-39.63%) | $2,956 (-33.27%) | $73,900 (-19.23%) |
| 2021 | $2,778.00 | $4,430 | $91,500 Land $20,300 Building $71,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 12 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 94% of the US · lower than 98.4% of South Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 362 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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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