117 Ridgeback Cir, Irmo, SC 29063 Property Records

Richland County property record for 117 Ridgeback Cir, Irmo, SC 29063

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,664 sqft · built 2014
Lot Size	0.35 acres (15,274 sqft)
Owner	Individual Name on File
Last Sale	$255,500 (Oct 2017)
Tax Bill	$2,628 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03502-10-02`

Property Details

APN / Parcel Number

Primary APN	`03502-10-02`
Alternative APNs	`R03502-10-02` `02076452`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,664 sqft Heated Area
Gross Area	3,466 sqft
1st Floor Area	2,664 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,274 sqft (0.35 acres)
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	114 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	02076452
Street Address	117 RIDGEBACK CIR
City	IRMO
State	SC
Zip	29063-2953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-LD
Legal Description	LOT 177 60.9X186.2X127.7X155.2 #SU CHELSEA PARK PH E2 #PR RB1875-1859 RB1960-1187
Legal Subdivision	CHELSEA PARK WEST
Legal Lot Number	60,177
Jurisdiction	RICHLAND SC
Township / Civil Division	DUTCH FORK
Census Block Group	2
Census Block	2033
Census Tract	10312

Owner

117 Ridgeback Cir is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	117 RIDGEBACK CIR, IRMO, SC 29063-2953
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
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Oct 4, 2017	Grant Deed, Transfer · FHA Mortgage CMG FIN'L
Mar 17, 2017	Grant Deed, Transfer · Conventional with PMI MORTGAGE OPTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2017 · Amount on File
Deed Sale	Oct 4, 2017 · Amount on File
Prior Sale	Mar 17, 2017 · Amount on File
Deed Document Number	201774713
Deed Book / Page	2249 / 627
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	117 RIDGEBACK CIR, IRMO, SC 29063-2953
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027251542
Date	Mar 15, 2022
Book Page	2725/1542
Instrument	2022014805

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND SC
Property Address	117 RIDGEBACK CIR, IRMO, SC 29063-2953
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027251530
Date	Mar 15, 2022
Book Page	2725/1530
Instrument	2022014804

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Oct 4, 2017
Property Address	117 RIDGEBACK CIR, IRMO, SC 29063-2953
Document Number	2249/0627
Book / Page	002249 / 000627
Instrument Date	Sep 27, 2017
Instrument	74713
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.35
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	117 RIDGEBACK CIR IRMO SC 290632953, IRMO, SC 29063-2953

Mortgage

Document Number	2249/0630
Date	Oct 4, 2017
Book Page	002249/000630
Instrument	74714

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RICHLAND SC
Recording Date	Mar 17, 2017
Property Address	117 RIDGEBACK CIR, IRMO, SC 29063-2953
Document Number	2195/0016
Book / Page	002195 / 000016
Instrument Date	Mar 17, 2017
Instrument	18501
Transaction Type	Transfer
Record Updated	Jun 5, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$943.00
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	117 RIDGEBACK CIR IRMO SC 290632953, IRMO, SC 29063-2953

Mortgage

Document Number	2195/0020
Date	Mar 17, 2017
Book Page	002195/000020
Instrument	18502

Lender

Name	MORTGAGE OPTIONS
Type	Mortgage Company
Address	COLUMBIA, SC 29212

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 117 Ridgeback Cir was $2,628.

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	$2,628.00	$311,100	$385,600 Land $45,000 Building $340,600
2023	$2,208.00	$10,820	$270,500
2021	$2,215.00	$10,820	$270,500 Land $38,000 Building $232,500

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 117 Ridgeback Cir 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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 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 117 Ridgeback Cir is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 70% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 219 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridgeback Cir

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